Under a Standard Homeowners Policy, what typically is not considered personal property?

In the context of a Standard Homeowners Policy, personal property typically includes items such as furniture, jewelry, and appliances. These items are considered movable and are not fixed to a location. On the other hand, land and buildings, which encompass the actual structure of the home and the plot of land it occupies, are classified as real property. Real property is distinct from personal property in insurance terms, as it refers to immovable assets that cannot be easily transported. Consequently, when it comes to coverage, personal property under a homeowners policy focuses on the contents within the home, while land and buildings fall under a different category of coverage. This distinction is important for policyholders to understand, as it influences what is protected under their insurance policy.