Which of the following types of property would be covered under Coverage C - Personal Property in a dwelling policy?

Coverage C - Personal Property in a dwelling policy is designed to protect personal belongings that are not attached to the dwelling itself. This includes items that a homeowner or tenant uses and possesses, as long as they are not specifically excluded by the policy. Rowboats fall within this category as they are considered personal property used for personal recreation and are not fixed to a property or considered real estate.

On the other hand, motor vehicles are typically excluded from coverage under personal property policies, as they are usually covered under different types of vehicle insurance. Real estate is not considered personal property; rather, it refers to the dwelling and attached structures, which are covered under other parts of the dwelling policy. Similarly, commercial buildings would not fall under personal property coverage as they are classified as business-related and require separate commercial property insurance. Therefore, rowboats, as personal property not attached to the dwelling, are correctly included under Coverage C.