what count for landlord's personal properties?

In my condo's landlord insurance, my insurance agent told me that all the appliances that are not attached to the structure fall into the personal property category. Examples are:

1. Kitchen refrigerator
2. Range/oven (gas or electric)
3. Microwave w/ hood
4. Dishwasher
5. Water heater tank
6. Laundry washer
7. Laundry dryer

Only the electric range/oven is an easy plug to the wall. All the rest have bunch of other connections in the forms of hoses, vents, pipes, etc.

In the past, I thought they were attached to the structure, and I looked at them as part of "Building Property" not under "Personal Property". Today I asked my agent why my "Personal Property" is not zero, then I found out this misunderstanding.

So what's left in the "Building Property" category for my condo? I think they are floors (carpet/hardwood/tile), inside walls/doors, lighting fixtures, cabinet, countertops, sinks, bathtub, toilet, windows. Am I right? 

所有跟帖： 

• 我觉得你理解的没错，personal property 我有问过，就是 -MrsKwok- ♀ (63 bytes) () 10/22/2020 postreply 13:50:41

• 不是一样吗嘛，反正都保 -pangpangxiongxiong- ♀ (0 bytes) () 10/22/2020 postreply 14:30:49

• My sales agent later corrected me -日月茗- ♀ (283 bytes) () 10/22/2020 postreply 15:22:57