What is required for Coverage C - Personal Property to be provided under the Dwelling Policy?

Coverage C - Personal Property under a Dwelling Policy is contingent upon the insured paying the premium for that specific coverage. This condition ensures that the insurer is aware of the coverage selected and that the insured is financially committed to the agreement.

When the insured pays the requisite premium, it activates the coverage and establishes the terms under which the insurer will provide financial protection for personal property losses or damages. It emphasizes the principle of indemnity, wherein coverage is extended based on the insured's fulfillment of financial obligations, like premium payments.

In terms of the other options, while filing a claim is an action that may be necessary to access benefits under the policy, it does not inherently establish the Coverage C provision itself. Continuous coverage is important for maintaining uninterrupted protection but does not directly affect the initial requirement for Coverage C. Proof of ownership may be needed during the claims process to ascertain the extent of the loss, but it is not a prerequisite for the initial provision of coverage under the Dwelling Policy.