Homeowners InsuranceQuestion 139 of 215
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.10%
b.25%
c.40%
d.50%
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.
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