What constitutes personal effects in a houseowner insurance policy?

Answer 1

The name of the policy is homeowner and not househowner policy. Under a homeowners policy contents are items that are not installed as part of the home. Some good examples would be a refrigerator that slides into a slot and is plugged in is considered contents but a fancier model that is built-in and made into the cabinets would be considered part of the home itself. Another would be a stove that slides into the cabinet is contents, whereas a drop-in stove unit that is directly wired is part of the home coverage A.