Which of the following is typically included in the coverage for personal property under an HO 3 policy?

The coverage for personal property under an HO 3 policy primarily encompasses personal belongings within the home. This means items such as furniture, clothing, appliances, and other personal effects owned by the insured are protected against various types of perils, such as fire, theft, or vandalism.

By providing this coverage, the policy ensures that homeowners can recover or replace their personal belongings in the event of a covered loss, which is a crucial aspect of home insurance. The flexibility in this coverage reflects the primary purpose of homeowners insurance, which is to protect individuals' personal possessions from unexpected damages or losses.

In contrast, structural enhancements, commercial equipment, and land and landscaping are not included under the personal property coverage of an HO 3 policy. Structural enhancements would typically fall under coverage for the dwelling itself, commercial equipment is usually excluded or needs additional coverage, and land and landscaping are generally not covered by homeowners insurance as they are considered part of the property’s real estate rather than personal belongings.