There are four types of property associated with every structure:
- The building or structure itself
- The business personal property inside the building
- The personal property of others in the building
- The improvements and betterments that have been made for the benefit of the current occupant
All are covered under the Building and Personal Property Coverage Form. All can be provided with a specific limit or can be combined in various ways as blanket. A separate cause of loss form must be attached.