On a standard owner-occupied HO-3, what is the customary built-in limit for Coverage C (Personal Property) as a percentage of Coverage A?
a.40%
b.10%
c.50%
d.25%
Explanation
Personal Property (Coverage C) is automatically set at 50% of Coverage A on the standard owner-occupied HO-3. The insured may increase this percentage by endorsement if the home contains an unusually large amount of contents, but the 50% default reflects typical household exposure. Coverage C also extends worldwide, with limited coverage off-premises.
Law Reference: ISO Homeowners Section I, Coverage CThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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