What is typically NOT included in the personal property coverage?

The house structure itself is typically not included in the personal property coverage because personal property coverage is specifically designed to protect a policyholder's belongings rather than the physical structure of their home. This coverage often applies to items such as furniture, appliances, clothing, jewelry, electronics, and other personal items, providing financial protection in case of events like theft, fire, or damage.

In contrast, the structure of the house is usually covered under a separate part of a homeowner's insurance policy known as dwelling or structure coverage. This distinction is crucial as it helps policyholders understand what aspects of their property are protected under different types of coverage within their insurance policy. Therefore, when considering coverage for personal property, it's important to recognize that the physical building itself falls outside this category, which aligns with the response provided.