Which item is specifically excluded from personal property coverage under Coverage C?

Coverage C in a homeowners insurance policy provides protection for personal property, but there are specific exclusions outlined in the policy. Business property that is not used on the premises is specifically excluded because homeowners insurance is primarily designed to cover personal property associated with residential living. If an individual has business property, that typically requires a different kind of insurance, such as a commercial policy, which can adequately cover the risks associated with business activities.

Cash and valuables, although they may have limits on coverage or may require additional riders or endorsements for full protection, are not outright excluded. Firearms and furniture can be covered under the personal property section of the policy, subject to specific limits or conditions.

Therefore, business property not used on the premises stands out as a clear exclusion from personal property coverage under Coverage C, highlighting the separation between personal and business liabilities in insurance policies.