What is typically included in personal property coverage?

Personal property coverage is designed to protect the belongings and items owned by the insured within their home. This coverage typically includes household goods such as furniture, electronics, clothing, and other personal items that are not permanently attached to the structure of the home. The focus is on the contents inside the residence rather than the building itself or liabilities associated with guest injuries.

In this context, the inclusion of household belongings and personal items reflects the purpose of personal property coverage in a homeowners or renters policy, offering financial protection against risks like theft, fire, or damage. This coverage ensures that if a covered peril occurs, the policyholder can receive compensation for the loss or damage to their personal possessions, making option B the most accurate choice.