Dwelling policy Coverage C - Personal Property will cover all of the following EXCEPT:

Dwelling policy Coverage C - Personal Property is designed to protect personal belongings of the insured, including various categories of items. However, there are specific exclusions in this coverage related to certain types of personal property.

Animals and birds are excluded from Coverage C because insurance policies generally do not cover living creatures. This exclusion is based on the understanding that animals are not considered personal property in the same way inanimate objects are, and they can be subject to various risks that would be difficult to insure under the same terms that apply to other personal items.

On the other hand, items like computer software, canoes, and hobby aircraft fall within the realm of personal property and are covered under this type of policy, subject to the terms and conditions specified in the policy. Computer software is typically classified as personal property, canoes are recreational items that homeowners may use and store on their premises, and hobby aircraft are personal property that some individuals may own for leisure.

Understanding what is excluded helps policyholders recognize which items require separate coverage or additional considerations for insurance purposes.