What percentage does Coverage C represent after the Mobilehome Endorsement is added?

Coverage C, which pertains to personal property, is typically calculated as a percentage of Coverage A, the dwelling coverage. When a Mobilehome Endorsement is added to a policy, it usually adjusts how Coverage C is structured. In this context, specifically for mobile and manufactured homes, Coverage C is set at 40% of Coverage A. This means that if Coverage A is a certain amount, Coverage C automatically allocates 40% of that amount to cover personal property within the mobile home.

This structured percentage is designed to provide adequate protection for personal belongings while accounting for the type of dwelling being insured. The additional details about how mobile homes are treated in terms of coverage percentages set the standard at 40%, thereby aligning the policy’s amount of personal property coverage with the specific needs and risks associated with mobile home ownership.