Which items are classified as 'personal property' in a homeowners insurance policy?

The classification of personal property in a homeowners insurance policy includes items that are movable and not permanently affixed to the structure or land. This includes various household items such as furniture, clothing, appliances, electronics, and personal belongings. These items are typically covered under a standard homeowners insurance policy, as they can be easily relocated or moved from one place to another.

In contrast, real estate and the structures on the property are considered real property, not personal property. Valuables in a safety deposit box may have limited coverage or require additional endorsements, and fixed installations and landscaping features, while part of the property, also do not fall under the definition of personal property. Understanding this distinction is crucial for homeowners when assessing their insurance coverage and ensuring they have adequate protection for all types of property within their homes.