Dwelling forms define "you" and "your" as the named insured shown in the declarations and the spouse if a resident of the same household. California Insurance Code §381.5 requires every policy to give a registered domestic partner coverage equal to a spouse's, and a policy is deemed to do so. Tenants and other relatives are not within "you".
Coverage A insures the dwelling, structures attached to it, and materials and supplies on or next to the location used to build, alter or repair the dwelling or other structures. Land is never covered. A garage set apart by clear space belongs under Coverage B, and tenants need their own coverage for their furniture.
Property not covered under Coverage C includes:
money, bank notes, securities and similar items, which get no coverage at all rather than a small sublimit;
motorized vehicles, except unregistered ones used solely to service the location or designed to assist the handicapped;
watercraft, except rowboats and canoes.