State Farm Fire Independent Policy Practice Exam 2026 - Free Sample Policy Questions and Study Guide

Coverage C of an HO-3 policy refers specifically to personal property. This coverage is designed to protect personal belongings both on and off the premises. It includes items such as furniture, clothing, electronics, and other personal items that are not fixed to the structure of the home.

When considering personal property away from the home, this coverage extends to various situations, such as when belongings are taken on vacation, stored in a garage away from the primary residence, or temporarily kept in a different location. This aspect of Coverage C ensures that policyholders have a safety net even when their possessions are not physically within the insured property’s boundaries.

In contrast, the other options pertain to different aspects of coverage under the HO-3 policy. Attachments to the house typically fall under Coverage A, which pertains to the structure itself. Liability coverage for injuries around the property is generally included in Coverage E, not Coverage C. Improvements made on personal property refer to enhancements or upgrades that could be covered under different provisions, but do not specifically relate to the protection of personal property itself. Therefore, personal property away from home is accurately captured within the scope of Coverage C.