Under Coverage C of a homeowners policy, the amount of insurance for personal property of the insured is

In a homeowners insurance policy, Coverage A typically refers to the dwelling itself, while Coverage B pertains to other structures on the property, such as sheds or fences. Coverage C addresses personal property, which includes items like furniture, electronics, and clothing that belong to the insured.

The standard structure of homeowners insurance policies usually stipulates that Coverage C is allocated at 50% of the limit set for Coverage A. This means if Coverage A is the amount insuring the dwelling, then Coverage C, which protects the insured's personal belongings, would typically cover half of that amount. This allocation is established as a guideline to ensure that homeowners have a reasonable amount of insurance for their personal property without requiring separate calculations for each part of their coverage.

Since Coverage A is foundational in determining the limits for Coverage C, selecting the correct option reinforces important concepts in homeowners insurance policies. Understanding these ratios helps homeowners make informed decisions about their coverage needs and adequately protect their assets.