Coverage C - Personal Property

Question 1

What is coverage C?

Answer 1

Coverage C - personal property (contents)

Question 2

What does coverage C insure?

Answer 2

1. Contents of your dwelling, personal property you own, wear or use while on your premises.
2. Your personal property anywhere in the world.
3. Warehouse for up to 30 days from the First day of storage.
4. Any student, temporarily away for the purposes of attending school, college or university.

Question 3

What does coverage C insure for tenants?

Answer 3

Improvements and betterments only in the portion you occupy as a residence.

Question 4

What does coverage C not insure?

Answer 4

*Motorized vehicles (vehicles that need to be registered)
*Camper units, trucks caps, trailers, or their equipment.
*Aircraft or their equipment.
*Personal property at any other location you own rent or occupy
*outdoor trees, shrubs, plants, lawns or owns for commercial. V

Question 5

Under coverage C, what are the special limits for books that always apply?

Answer 5

Up to $2,000

Question 6

Under coverage C, what are the special limits for securities that always apply?

Answer 6

Up to $2,000

Question 7

Under coverage C, what are the special limits for money, including cash cards that always apply?

Answer 7

Up to $500

Question 8

Under coverage C, what are the special limits for garden-type tractors that always apply?

Answer 8

Up to $5,000

Question 9

Under coverage C, what are the special limits for watercraft that always apply?

Answer 9

Up to $1,000
* specified perils and theft or attempted theft.

Question 10

Under coverage C, what are the special limits for computer software that always apply?

Answer 10

Up to $2,000
Does not include gathering or assembling information or data.

Question 11

Under coverage C, what are the special limits for animals that always apply?

Answer 11

Up to $500
* specified perils other than the impact by aircraft or land vehicle

Question 12

Under coverage C, what are the special limits for spare automobile parts that always apply?

Answer 12

Up to $1000

Question 13

Under coverage C, only caused by specified perils, insured for a coin collection?

Answer 13

Up to $500

Question 14

Under coverage C, only caused by specified perils, insured for jewelry, watches, gems, and furs?

Answer 14

Up to $2,000

Question 15

Under coverage C, only caused by specified perils, insured for a manuscript, stamps and philatelic.

Answer 15

Up to $1,000

Question 16

Under coverage C, only caused by specified perils, insured for a bicycle?

Answer 16

Up to $500 each

Question 17

Under coverage C, only caused by specified perils, insured for a collectible cards?

Answer 17

Up to $2,500

Question 18

Under coverage C, only caused by specified perils, insured for a personalpropertyof a student temporarilyliving away from home?

Answer 18

Up to $2,500

Question 19

What are the specified perils? (11-FLESFIRVWT)

Answer 19

1. Fire
2. Lighting
3. Explosion
4. Smoke
5. Fallen object on exterior
6. Impact by aircraft or land vehicle
7. Riot
8. Vandalism or malicious acts
9. Water damage
10. Windstorm or hail
11. Transportation

Question 20

What types of water damage is included in specified perils?

Answer 20

Sudden and accidental watermain, plumbing, heating, sprinklers, air conditioner, or domestic water containers.

Water that enters your dwelling through an opening which is sudden and accidental.

Does not include freezing.