Which coverage would typically exclude business property in a residential insurance policy?

Coverage C in a residential insurance policy is designed to protect personal property owned by the insured. However, it specifically excludes business property. This means that if an individual has items related to a business on the premises, those items would not be covered under Coverage C. This is an important distinction because many homeowners use their homes for business activities, yet their personal property coverage will not extend to items that are classified as business property.

By contrast, Coverage A typically relates to the dwelling itself, and Coverage B generally addresses other structures on the property, such as a garage or shed. Coverage D deals with loss of use or additional living expenses if the home becomes uninhabitable. Each of these coverages serves a unique purpose, but Coverage C is specifically focused on personal property, making it clear that business-related items are not included.