What does Coverage C (Personal Property) typically include?

Coverage C covers personal belongings owned by the insured anywhere in the world. The standard limit is typically 50-70% of the dwelling coverage (Coverage A). Sub-limits apply to specific categories of property considered higher risk for theft or loss: jewelry and watches (often $1,500 limit for theft); firearms (often $2,500 for theft); silverware (often $2,500 for theft); cash (often $200); business property in the home (often $2,500); securities ($1,500); trailers and motors. Items exceeding sub-limits can be 'scheduled' — listed individually with documented values, often appraised — to obtain full coverage. Personal property at a residence other than the primary (vacation home) may have reduced coverage (often 10% of Coverage C). Personal property in storage is generally covered. Some property is excluded entirely: motor vehicles, aircraft (with limited exceptions), pets, and animals.