Arizona Adjuster Practice Exam

Who does Coverage C in a dwelling policy specifically not cover?

1. Personal property of anyone living outside the home

2. Personal property of the insured

3. Residential family members' personal property

4. Fixtures of the home

The correct answer is: Personal property of anyone living outside the home

Coverage C in a dwelling policy specifically addresses personal property within the insured's premises. This coverage typically includes the personal belongings of the insured and their family members living in the household. However, it does not extend to personal property owned by individuals who do not reside at the insured location. Therefore, personal property belonging to anyone living outside the home is not covered under Coverage C. Understanding this aspect of Coverage C is essential, as it helps policyholders recognize the limitations of their dwelling policy. The coverage is designed to protect the insured's personal property and that of their immediate family members, but it excludes items owned by non-residents, which aligns with the intent of the policy to safeguard the insured's belongings within their dwelling.