Which item is not covered under Coverage C of a standard HO policy?

Which item is not covered under Coverage C of a standard HO policy?

• A. An aquarium is knocked over and the fish die
• B. A student away at school has his golf clubs stolen
• C. An insured's luggage is stolen from his hotel room
• D. A weekend guest loses his hearing aid during a fire

Answer: (A)

Coverage C covers personal property owned by the insured and family members, and it can also cover the property of others while it’s in the insured location or while the insured is away from home, within limits. The key idea here is that Coverage C does not cover animals. An aquarium’s fish fall under animals, so their death isn’t covered, even though the incident happens in the home. The other scenarios involve ordinary personal property: golf clubs owned by a student away at school are personal property and are covered while away from home (up to the standard off-premises limit). Luggage stolen from a hotel room is likewise covered when the owner is away from home. And a weekend guest’s hearing aid is the property of someone else but kept in the insured home, which is also covered under Coverage C when it’s in the insured location. So the aquarium with fish is the item not covered.

Coverage C covers personal property owned by the insured and family members, and it can also cover the property of others while it’s in the insured location or while the insured is away from home, within limits. The key idea here is that Coverage C does not cover animals.

An aquarium’s fish fall under animals, so their death isn’t covered, even though the incident happens in the home. The other scenarios involve ordinary personal property: golf clubs owned by a student away at school are personal property and are covered while away from home (up to the standard off-premises limit). Luggage stolen from a hotel room is likewise covered when the owner is away from home. And a weekend guest’s hearing aid is the property of someone else but kept in the insured home, which is also covered under Coverage C when it’s in the insured location. So the aquarium with fish is the item not covered.