Homeowners Policy (HO)Question 305 of 474
Personal property usually kept at an insured's other residence, such as a vacation cabin, is limited to:
a.10% of Coverage A or $1,000, whichever is larger
b.10% of Coverage C or $1,000, whichever is more
c.50% of Coverage C, the same as at the home
d.$1,000 flat, with no percentage option used
Explanation
Contents are covered anywhere in the world, but property usually located at a residence of an insured other than the residence premises is capped at the greater of 10% of Coverage C or $1,000. The version built on Coverage A uses the dwelling limit, which is not the base for contents, and the flat answer throws away the greater-of test that protects a large contents limit.
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