Which of the following is NOT covered under HO Property Coverage C?

The correct answer is that pets are not covered under HO Property Coverage C, which pertains to personal property. Coverage C typically includes personal belongings such as furniture, clothes, and electronics, which are all items deemed to be personal property of the insured. This coverage specifically protects physical items that you own and use within your household.

Pets, on the other hand, are considered living beings and not personal property in the same way that inanimate objects are categorized. Insurance policies generally do not cover pets under personal property because they do not fit the description of tangible property subject to loss or damage in the same manner as furniture, clothing, or electronics. Additionally, many insurance policies may specifically exclude animals from being classified as property to avoid complications related to liability, care, and ownership.

Understanding the exclusions in property coverage helps homeowners recognize the limits of their insurance protection and informs them about what types of personal assets require separate coverage, such as pet insurance or liability coverage for pet-related incidents.