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

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

• A. Golf clubs stolen from away at school
• B. Luggage stolen from a hotel
• C. An aquarium knocked over and the fish die
• D. Hearing aid lost during a fire

Answer: (C)

Coverage C protects personal property owned by the insured, whether it’s on or off the home, up to the policy limit, but it does not cover animals, birds, or fish. That means items like golf clubs or luggage are covered if stolen away from home, and a hearing aid lost in a fire would be a covered loss to personal property caused by a covered peril. The aquarium scenario isn’t covered in full because the fish are animals. While the aquarium itself is personal property, the loss of the fish due to the accident is not covered under Coverage C, since animals aren’t covered.

Coverage C protects personal property owned by the insured, whether it’s on or off the home, up to the policy limit, but it does not cover animals, birds, or fish. That means items like golf clubs or luggage are covered if stolen away from home, and a hearing aid lost in a fire would be a covered loss to personal property caused by a covered peril.

The aquarium scenario isn’t covered in full because the fish are animals. While the aquarium itself is personal property, the loss of the fish due to the accident is not covered under Coverage C, since animals aren’t covered.