Under Home Owner Coverage C, which type of theft is generally not covered?

Under Home Owner Coverage C, theft from a building under construction is generally not covered because standard homeowners insurance policies typically exclude theft that occurs from structures that are not completed or not considered habitable. Coverage C is primarily designed to protect personal property within a dwelling or other structures on the property, but once a building is classified as “under construction,” it falls outside the usual scope of this coverage. This exclusion helps insurers manage risk effectively, as properties under construction are more vulnerable to theft and damage.

In contrast, theft from a dwelling and possible losses like tools from a garage are typically covered, as these scenarios involve completed structures where personal property is expected to be protected. While theft during a natural disaster might raise complex questions around coverage, it is often evaluated under specific provisions related to the disaster itself rather than being outright excluded based on the location's construction status.