B. Coverage B - Personal Property
Coverage for personal property includes the property listed below. Refer to the RCBAP Section B. Coverage B - Personal Property, Item 2 (a-i).:
  • 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
* Contents are insured while stored in the building. Flotation of contents out of a building that has fewer than four rigid walls is not insured.
A pencil writing across paper.

Adjuster Tip: The adjuster should review the differences in policy interpretation regarding the purchase of personal property coverage between the Dwelling Form, General Property Form, and RCBAP.