How does Coverage C - Personal Property operate under dwelling policies?

Coverage C - Personal Property under dwelling policies provides protection for personal property both on and off the premises, which is reflected in the choice that states it covers personal property on and off premises, subject to sublimits. This means that personal belongings, such as furniture, appliances, and clothing, are insured when they are located within the dwelling as well as when they are temporarily removed from the property.

However, this coverage does come with sublimits for certain types of property, meaning that while personal property is generally covered off premises, there may be caps on the amount that can be claimed for specific categories, such as jewelry or electronics. This approach allows for flexibility in coverage while acknowledging that certain items may require special consideration due to their value or risk of loss.

Regarding the other options, it's important to clarify that personal property is indeed covered under dwelling policies, but with variations, as mentioned. The coverage does not restrict personal property protection solely to when items are on the premises or limit coverage to attached property. Understanding these nuances is crucial for anyone studying property and casualty insurance in Ohio.