Coverage C - Personal Property of a homeowners policy typically excludes what?

The correct answer indicates that fish are typically excluded under Coverage C - Personal Property in a homeowners policy. This exclusion is important because homeowners insurance is designed to protect personal belongings against specific perils such as theft, fire, or damage. However, certain items are treated differently due to their nature or the risk they present.

In the context of a homeowners policy, fish are often categorized as live animals or pets, which are generally not covered under personal property insurance. Insurance policies commonly include exclusions for animals because they can be deemed high-risk or they might be considered as having a value that fluctuates, making it challenging to determine insurable value. Therefore, fish, being living creatures, fall outside the typical coverage scope of personal property.

In contrast, items like furniture and dishes are explicitly covered under personal property since they are inanimate objects that are easily valued. Blanket coverage, on the other hand, refers to a comprehensive way to cover various types of personal property without having to list each item explicitly, but this still falls within the realm of what personal property coverage typically includes. Thus, while other items fall under the coverage policy, fish are clearly excluded due to their classification as living beings.