What is classified as 'personal property' in homeowners insurance?

Personal property in homeowners insurance refers to belongings that are not permanently affixed to the structure of the home. This includes tangible items that can be easily moved, such as furniture, clothing, electronics, appliances, and personal belongings. The primary characteristic of personal property is that it is not part of the real estate; it is separate from the physical structure of the house itself.

Real estate owned by the insured, improvements made to the home, and structures such as garages fall under different classifications within homeowners insurance. Real estate, which includes the physical property and land, is classified as real property. Improvements made to the home are considered part of the property enhancements and are not classified as personal property. Similarly, structures on the property, like garages, are categorized as other structures or real property rather than personal property. Understanding these distinctions is crucial for accurately assessing coverage and claim processes in homeowners insurance.