Which coverage protects contents from fire damage?

Coverage C is specifically designed to protect personal property—commonly referred to as contents—against various perils, including fire damage. This coverage typically extends to items such as furniture, electronics, and clothing, ensuring that if these possessions are damaged or destroyed due to a fire, the policyholder can receive compensation for their loss.

Other coverage options in standard homeowners' policies serve different purposes. Coverage A generally applies to the dwelling itself, covering the physical structure of the home. Coverage B is intended for other structures on the property, such as sheds or fences, that are not connected to the main dwelling. Coverage D pertains to loss of use, which provides assistance for additional living expenses if the home is uninhabitable due to a covered loss. Therefore, Coverage C is the appropriate choice when seeking protection specifically for personal contents against fire damage.