What does 'personal property' coverage refer to?

Personal property coverage refers to the insurance protection for the contents within a home. This includes items such as furniture, appliances, clothing, and personal belongings that are not physically attached to the home itself. When homeowners or renters insurance policies mention personal property coverage, they are specifically addressing the risk of loss or damage to these items due to events like theft, fire, or natural disasters.

The focus on personal property emphasizes the importance of protecting the items that individuals own and use daily, distinguishing it from other types of coverage that pertain to the structure of the home or liability for injury. In contrast, coverage for the building structure pertains to the physical integrity of the home, while landscaping coverage would protect items like trees and shrubs, and liability coverage relates to injuries that occur on the property. Understanding this distinction is crucial for anyone looking to ensure adequate protection for their personal possessions.