Which coverage would be needed to protect personal property in a rental dwelling?

To protect personal property in a rental dwelling, Coverage C - Personal Property is essential. This type of coverage specifically addresses the belongings of the insured, providing financial protection against risks such as theft, fire, or other perils that could result in damage or loss to personal items.

In the context of rental properties, tenants often need this coverage to safeguard their possessions, since the landlord’s insurance typically only insures the structure itself and not the personal effects within it. Coverage C ensures that individuals can recover the value of items like furniture, electronics, and clothing if something were to happen to them.

The other coverage options mentioned serve different purposes. Coverage A pertains to the dwelling itself, covering the physical structure but not personal belongings. Coverage B relates to other structures on the property that are not attached to the dwelling, like a detached garage or shed, and is also unrelated to personal property. Coverage D deals with fair rental value, which would compensate the landlord for lost income if the property is uninhabitable due to covered damage, again not applicable to a tenant's personal belongings. Thus, Coverage C is the correct choice for protecting personal property within the rental dwelling context.