When is a guest's property covered under Coverage C - Personal Property in a dwelling policy?

Coverage C - Personal Property in a dwelling policy provides protection for personal belongings owned by the insured and, under specific conditions, the personal property of guests while it is located on the insured premises. This means that a guest's property is covered when it is physically at the insured's location, emphasizing the importance of the property being on the premises for the policy to apply.

This coverage is designed to protect items against various risks such as theft, fire, and damage, but only when those items are present within the insured dwelling or designated structure. Therefore, if a guest's property is at the insured location, it will be covered under the Personal Property section of the dwelling policy, provided that the guest meets the policy terms and conditions.

The other options reflect situations where the coverage would not apply, such as theft alone, which does not encompass all scenarios of loss, and coverage being limited to overnight stays or being provided regardless of location, which does not align with the policy’s actual terms and conditions concerning personal property.