Which property coverage provides protection to contents damaged by fire?

Coverage C, also known as personal property coverage, is designed to protect the contents within a dwelling or residence from various risks, including fire damage. This coverage extends to items such as furniture, appliances, clothing, and electronics, ensuring that the insured is financially safeguarded against loss or damage to these personal belongings due to events like a fire.

In the context of property insurance, it is important to distinguish between different types of coverage. Coverage A typically pertains to the dwelling itself, providing protection for the structure of the home. Coverage B may cover other structures on the property, such as sheds or detached garages, which are not the primary residence. Coverage D refers to loss of use, which assists in covering additional living expenses if the home becomes uninhabitable due to a covered loss.

Therefore, the recognition that Coverage C specifically addresses personal property, including protection against fire damage, is key to understanding the scopes of property coverage in personal lines insurance.