Which items are excluded under Coverage C?

Under Coverage C of a standard homeowners insurance policy, certain items are specifically excluded from coverage, reflecting a focus on property that is more vulnerable to theft or loss. Cash and animals are notable exclusions because they represent high-risk items that can be easily lost or stolen and are difficult to appraise for insurance purposes.

Cash is typically excluded because it does not hold its inherent value in an insurable context and can be directly lost without recovery. Animals are also excluded in many policies for various reasons, including the fact that they are living beings whose value can fluctuate and whose care and management don't fall under a standard property insurance scope.

The other items mentioned—furniture and fixtures, home appliances, jewelry, and artwork—are generally covered under Coverage C, although specific limits and conditions may apply, particularly for high-value items like jewelry and artwork. These items are generally considered part of the personal property coverage provided in homeowners' policies, as they can be assigned a monetary value and are more commonplace in a household. Understanding these exclusions helps policyholders grasp what their insurance covers and informs them about potential gaps they may need to address with additional coverage options.