What distinguishes "personal property" from "real property"?

The distinction between personal property and real property is fundamental in property law and insurance contexts. Personal property refers to movable items that individuals own, such as furniture, clothing, vehicles, and electronics. These items can be relocated and are not permanently attached to a location.

In contrast, real property refers to land and everything that is permanently fixed to it, such as buildings and structures. This includes not only the physical land itself but also any improvements made to that land, like homes, garages, and landscaping.

By identifying personal property as movable items and real property as land and structures, the answer highlights the essential characteristics of each type of property. This distinction is crucial in determining coverage under homeowners insurance policies, as different rules and protections may apply to personal and real property. Understanding this definition helps policyholders ascertain what their homeowners insurance covers regarding both types of property.