Which item is typically covered under HO Property Coverage C?

Property Coverage C in a Homeowners (HO) policy refers specifically to the personal property of the insured. This coverage extends to personal belongings regardless of their location, which means it includes coverage for items that are not only within the insured residence but also those that may be elsewhere in the world. This broad definition helps in protecting the policyholder's possessions against loss or damage, whether they are at home, traveling, or in storage.

The other items listed, while they may indeed be covered under different sections of a homeowners insurance policy, do not fall under the specific designation of Coverage C. For instance, mailboxes, trees, and shrubs typically fall under Coverage B, which relates to "Other Structures" or specific protections for landscaping. Fair rental value is addressed under Coverage D, which pertains to loss of use if the property becomes uninhabitable due to a covered loss. Thus, the emphasis on personal property coverage makes it clear that Coverage C is specifically designed to protect personal belongings no matter where they are located.