Personal property coverage is what percentage of Coverage A for one or two family dwellings?

Personal property coverage for one or two-family dwellings is generally set at 50% of the amount of Coverage A, which pertains to the dwelling itself. This means that if a policyholder has a dwelling insured for $200,000 under Coverage A, they would have $100,000 of coverage available for personal property. This standard percentage is designed to provide a proportional amount of coverage for personal belongings in relation to the structure, ensuring that homeowners are adequately protected against losses or damage to their personal property. This understanding is crucial for agents when advising clients on their homeowners insurance needs and for determining adequate amounts of coverage.