What does Coverage C - Personal Property in the dwelling policy primarily cover?

Coverage C - Personal Property in a dwelling policy is designed to provide protection for the personal belongings of the insured. It primarily covers the possessions owned by the policyholder that are located within the insured premises. This typically includes furniture, clothing, appliances, and other personal items.

Regarding the provided answer, while it mentions the property of the insured's servants, it's important to clarify that Coverage C primarily encompasses the insured's own personal property. The coverage is structured to cover loss or damage to the insured's personal possessions rather than the property of others, including guests or staff.

Thus, the correct understanding is that Coverage C primarily protects the insured's personal belongings rather than property belonging to guests, servants, or outside structures. This distinction helps policyholders understand the scope and limits of their coverage under the dwelling policy.