In which scenario does coverage C apply for personal property on the described premises?

Coverage C in a personal property policy typically pertains to personal belongings owned by the insured, which extends to certain situations and types of possessions. The correct scenario for coverage C applies to personal property that is located within the described premises, including personal property of guests or servants. This means that if a guest or a servant has belongings on the premises, those items can be partially covered under the provisions of the policy, as long as they are applicable in that specified context.

Understanding the limits of coverage is important: while personal property belonging to the insured is the primary focus, certain types of personal property belonging to others might still enjoy coverage under specified conditions. Family members' possessions generally fall under the same umbrella as the insured's personal property and are also covered, but the specific mention of guests or servants highlights a unique aspect of coverage that exists within the policy.

Additionally, while property in storage nearby may be somewhat covered in some contexts, it typically relates to coverage based on location and access rather than possession, making it less likely to apply straightforwardly. Inherited valuable items might require specific conditions or endorsements for coverage, rather than falling automatically under basic coverage C.

The emphasis on guests or servants illustrates the overarching goal of personal lines insurance to provide a protective umbrella for