Claims & Insurance
Personal property
Coverage for the contents of the home, as opposed to the building itself.
On a real claim
Personal property is the coverage for the contents of the home, furniture, clothing, and appliances, as opposed to the building itself. On a claim it is handled separately from the dwelling, often by a contents adjuster, and paid on its own terms. What goes wrong: a contractor tries to fold contents into the building scope, or a homeowner assumes the roof claim covers ruined belongings. Check that contents damage is documented and submitted under the right coverage.
Common questions
What does "Personal property" mean in Xactimate estimating?
Coverage for the contents of the home, as opposed to the building itself.
Where does "Personal property" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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