What is the purpose of Coverage C under homeowners policy?

The purpose of Coverage C under a homeowners policy is to provide protection for personal property. This coverage safeguards the insured's belongings, including furniture, clothing, electronics, and other personal items, against various risks like theft, fire, and other specified perils. Coverage C is crucial because it ensures that if personal possessions are damaged or lost, the homeowner can receive compensation to replace or repair those items, helping to mitigate financial loss.

In the context of the other options, personal liability coverage relates to legal responsibilities for injuries or damages caused to others, while guest medical expenses cover medical costs for guests injured on the insured property, and coverage for loss of use pertains to additional living expenses incurred when the home is uninhabitable due to a covered loss. Each of these serves a distinct purpose, but Coverage C specifically focuses on the protection of personal property.