Under Coverage C of a homeowners policy, what percentage of Coverage A is provided for personal property?

Under Coverage C of a homeowners policy, personal property coverage is typically provided at a percentage of Coverage A, which is the dwelling coverage. For most standard homeowners insurance policies, this percentage is 50%. This means that if your dwelling (Coverage A) is insured for $200,000, you would have $100,000 available for personal property (Coverage C).

This standard percentage is designed to offer a balance between the dwelling and the personal belongings of the policyholder, ensuring that there is adequate protection for both. Coverage C includes items such as furniture, appliances, clothing, and personal possessions, which can be significant in terms of value.

Understanding this relationship helps homeowners assess their insurance needs adequately, and adjust their policy limits based on the actual value of both their residence and their personal items.