Coverage C in a renters insurance policy refers to personal property coverage. This protects your belongings, such as furniture, electronics, clothing, and household items, in case they are damaged, destroyed, or stolen due to a covered peril like fire, theft, or water damage from a burst pipe. Since your landlord’s insurance does not cover your personal items, Coverage C ensures that you can recover the cost of replacing your possessions after a loss.

Renters typically have the option to choose between actual cash value and replacement cost coverage. Actual cash value takes depreciation into account, meaning you may receive less for older items. Replacement cost coverage, while slightly more expensive, reimburses you for the full cost of replacing an item with a new one of similar kind and quality. Coverage C usually includes items stored both inside and outside the rental unit, such as in a car or storage unit, making it a vital part of renters insurance. START A QUOTE⮕