B. Coverage B - Personal Property: Coverage B Only Items
Coverage for personal property includes the following property. Refer to the General Property Form. Personal property covered under Coverage B only includes:
  • Air conditioning units installed in the building
  • Carpet, not permanently installed, over unfinished flooring
  • Carpets over finished flooring
  • Clothes washers and dryers
  • "Cook-out" grills
  • Food freezers, other than walk-in, and food in any freezer
  • Outdoor equipment and furniture stored inside the insured building
  • Ovens and the like
  • Portable microwave ovens and portable dishwashers

Refer to the General Property Form at Section III.B. Coverage B - Personal Property B.1.a and B.1.b.

A pencil writing across paper.

Adjuster Tip: Contents are covered while stored inside a fully enclosed, insured building. Flotation of contents out of a building that has fewer than four rigid walls is not covered.​