How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Lucy, Esq. Your Own Question
Lucy, Esq.
Lucy, Esq., Attorney
Category: Legal
Satisfied Customers: 29084
Experience:  Lawyer
26798026
Type Your Legal Question Here...
Lucy, Esq. is online now
A new question is answered every 9 seconds

in a home insurance when they write CONTENTS is it personal

This answer was rated:

in a home insurance when they write CONTENTS is it personal belongings ONLY/
Hi,

My name is XXXXX XXXXX I'd be happy to answer your questions today.
Are you talking about personal possession vs. items used to run a business? Is the business incorporated or an LLC?
Customer: replied 4 years ago.

i AM REFERING (BY THE WAY THIS IS A HOME OWNER'S INSURANCE ) TO WHETHER THIS CONTANTS REFERS ONLY TO PERSONAL PROPERTY.oR THAT MAY INCLUDE LIKE KITCHEN GABINETS .

Thank you for clarifying.
A contents policy is going to specifically apply to personal possession - clothes, furniture, books, computers, and things like that. Anything that is movable will be considered part of the contents. Anything that is permanently affixed to the structure of the home is legally considered a "fixture." It usually would not be covered as part of the contents, but should be covered as part of the policy that insures the structure of the property. You may want to read your exclusions page to be sure, but fixtures should be covered.
Lucy, Esq. and 10 other Legal Specialists are ready to help you