Any property of an Insured other than real property. Homeowner policies protect the personal property of family members, and commercial forms are used to protect many types of business personal property of an Insured.
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Risk
The chance of loss, the degree of probability of loss, or the amount of possible loss to the insuring company. For an individual, risk represents such probabilities as the likelihood of surgical complications, medications’ side effects, exposure to infection, or the chance of suffering a medical problem because of a lifestyle or other choice. For example, an individual increases his or her risk of getting cancer if he or she chooses to smoke cigarettes.