At what percentage of Coverage A - Dwelling is Coverage C - Personal Property generally issued under a Homeowner Policy?

Under a standard homeowner's policy, Coverage C - Personal Property is typically issued at a percentage of Coverage A - Dwelling, and this percentage is generally set at 50%. This means that if a policyholder has a dwelling insured for, say, $200,000 under Coverage A, they would typically have $100,000 in coverage for personal property under Coverage C. This standard percentage is designed to ensure that policyholders have sufficient protection for their personal belongings, which often represent a significant value.

While 30%, 70%, or 100% are not commonly used as standard percentages for Coverage C, they might represent specific circumstances or optional coverages that could be chosen by policyholders or insurers, but they do not reflect the usual practice in standard homeowner policies. The 50% benchmark provides a balanced and reasonable level of coverage in relation to the dwelling, which reflects the average value allocated for personal property in relation to the home.