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Property damage, in simple terms, means injury or damage caused to a property owing to negligence or deliberate action of a person or a natural event. Such a property may be a personal or real property. The former could be understood as a property that is movable and is not affixed to land whereas the latter, also known as real estate, refers to land or anything permanently attached or affixed to it. For example, house, being affixed to land, is real property and the items in the house such as furniture, apparel, etc. is personal property. Broadly speaking, the term “personal property” covers within its ambit the personal belongings such as jewellery, car, heirlooms, home furnishings, phone, et cetera.