Which personal property item is typically covered under a TDP-3 policy?

A TDP-3 policy, often referred to as a "Tenants' Personal Property" policy, provides coverage for personal property items owned by tenants. While all the listed items can potentially be covered under a TDP-3 policy depending on the specifics of the coverage and the insurer's terms, the refrigerator is particularly notable because it is often categorized as a major appliance that is typically included in such coverage.

This policy is designed to protect personal property from risks like theft, fire, and certain types of damage. A refrigerator, being a significant and commonly used household item, aligns well with the intent of providing comprehensive protection for essential personal property. In many cases, a TDP-3 policy may explicitly cover refrigerators as part of its terms, reinforcing the importance of safeguarding essential household appliances that contribute to a tenant's day-to-day living.

While the washing machine, television, and personal computer are also important personal property items, coverage can vary based on the specific policy details and endorsements. Understanding the common inclusions of a TDP-3 policy helps clarify why the refrigerator is a solid example of what would typically be covered.