Coverage C (Personal Property) covers property owned or used by an insured anywhere in the world. After a loss, at the named insured's request, it can also cover property of a guest while in a residence occupied by an insured. The request comes from the named insured; the guest does not claim directly.

Property not covered includes motor vehicles, such as a motorcycle registered for use on public roads; that exposure belongs on an auto or motorcycle policy. The form gives back coverage for vehicles not required to be registered for public roads that are used solely to service the residence, such as a riding mower.

Special limits: a special limit is the most the policy pays for all property in that category in one loss. Special limits do not add to the Coverage C limit, and the Coverage C limit does not override them. Example: suppose a policy has a $250 limit on money and a $1,500 limit on theft of jewelry. A theft of $600 in cash and $3,000 of jewelry pays $250 + $1,500 = $1,750.

Read each category's wording. Some special limits apply only to loss by theft, such as jewelry, firearms and silverware; others, such as money, apply to any covered loss. A fire that destroys firearms is not a theft, so the theft limit does not apply. The dollar amounts differ by form edition, which is why owners schedule high-value items.