Dwelling policy Coverage C - Personal Property will cover all of the following EXCEPT?

Coverage C under a dwelling policy specifically addresses personal property owned by the insured and their family members. This coverage is designed to protect items that are typically found in a home. Household furniture, electronic equipment, and clothing are all considered personal property that falls under this coverage, providing financial protection against losses due to covered perils like theft or fire.

However, animals and birds are generally not covered under Coverage C. This is due to the nature of personal property as defined in insurance policies, which typically excludes living creatures, as they do not represent personal property in the same way that inanimate possessions do. Understanding these exclusions is critical for policyholders to accurately know what is covered and what falls outside the insurance protection provided by the dwelling policy.