Which item would be covered by Coverage C on Tom's HO-3 policy after his duplex is destroyed by a tornado?

Coverage C of an HO-3 policy pertains to personal property coverage, which protects the policyholder's belongings from various perils, including those caused by tornadoes. Under this coverage, Tom's personal items such as furniture are typically included.

The reason Tom's furniture is the correct answer stems from the fact that it is explicitly categorized as personal property owned by Tom, and coverage under an HO-3 policy generally extends to personal effects used by the insured at the residence.

In contrast, other options may not fit within the personal property coverage as clearly. The son's bicycle would indeed be considered personal property, but its inclusion depends on whether it's considered "owned" by Tom. If Tom does not own the bicycle, it wouldn't be covered under his policy. For Calvin's personal belongings, unless Calvin is a resident under the policy or otherwise specified in the terms, they likely wouldn't be covered as personal property under Tom's policy. The garden shed may fall under Coverage B (other structures) rather than personal property since it's a structure rather than personal belongings. Thus, Tom's furniture directly aligns with the intent and coverage stipulated in an HO-3 policy, making it the most appropriate response.