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what is personal property it's property that is not a part of the building or other structures personal property can be moved around it is all of the contents of the dwelling such as furniture lamps kitchen utensils clothing and decorative items because the term personal property is very broad the insurance policy describes categories of property that are not covered this list is called property not covered it includes a variety of things such as money animals or motor vehicles typically these kinds of property not covered can be insured using a different kind of policy otherwise insuring them isn't really practical

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