Will Coverage C on a HO policy cover property of a roomer or boarder?

Coverage C on a Homeowners (HO) policy is designed to provide personal property protection for the insured and certain others living in the household. It typically covers the insured's personal belongings such as furniture, clothing, and other personal items.

When it comes to roomers and boarders, the coverage is more specific. If the roomer or boarder is a tenant who is related to the insured, the policy will indeed provide coverage for the property belonging to that individual. This is in line with the principle that family members typically have an expectation of coverage under the policy, as they are considered part of the household.

However, if the roomer or boarder is not related to the insured, their personal property would not typically be covered under the HO policy. Thus, understanding the relationship between the insured and the roomer or boarder is crucial. Specifically, only those tenants who are related to the insured will see their property covered under Coverage C, reinforcing the idea that familial ties matter when determining coverage limits and eligibility within a homeowners policy.