Which risk is excluded under Coverage C of a Homeowner’s Policy?

Coverage C of a Homeowner’s Policy specifically pertains to personal property, which typically includes household contents and possessions that belong to the policyholder. This coverage is designed to protect items owned by the insured and stored within the dwelling, such as furniture, electronics, clothing, and other personal belongings.

When it comes to property belonging to guests, it is typically excluded from Coverage C because the policy is intended to cover the insured’s possessions rather than those of others. While guests' items may be temporarily in the home, the primary responsibility for their belongings rests with the guests themselves and not with the homeowner's insurance policy. Therefore, if a guest's property is lost or damaged while on the premises, it would not be covered under the homeowner's policy. This exclusion helps clarify the limits of the coverage and ensures that the policyholder is not held liable for items that do not belong to them.

In contrast, personal property in the dwelling and household contents will be covered, as these fall under the protection intended for the policyholder's assets. Injuries to third-party individuals are addressed under a different coverage, typically Liability coverage, and not within the realm of personal property under Coverage C.