Under Coverage C of an HO-3 Policy, what is the amount of insurance provided for personal property?

In an HO-3 policy, Coverage C pertains specifically to personal property, which includes items such as furniture, clothing, appliances, and other contents within a home. The standard provision under Coverage C typically specifies that the amount of insurance provided for personal property is at least 50% of the Coverage A limit, which represents the dwelling coverage.

This design ensures adequate protection for personal belongings, recognizing that personal property often constitutes a significant financial value. By aligning Coverage C with a percentage of Coverage A, the policy aims to provide a balanced level of coverage that reflects the worth of items within the home while simultaneously safeguarding the structure itself.

This means that if a home is insured for $200,000 under Coverage A, at minimum, Coverage C would offer $100,000 for personal property, thereby highlighting the significance of personal contents in the overall insurance framework without overwhelming the overall policy limit.