When a policy does not define the terms used, the standard is to go to the plain old dictionary. Merriam Webster Online defines personal property as property other than real property consisting of things temporary or movable. The dictionary doesn't define farm personal property, but it's readily determined by putting together two definitions. Farm is defined as a tract of land devoted to agricultural purposes, or a plot of land devoted to the raising of animals and especially domestic livestock, or water reserved for artificial cultivation of some aquatic life form.

Therefore, farm personal property would be temporary or movable property related to the practice of farming. A pitchfork used to toss hay would be farm personal property, whereas a lawn rake used to rake the leaves in front of the house would be personal property. Tillers, seeders, scythes, branding equipment, sheep shears, and cattle brushes are all farm personal property, and as such would be excluded under the homeowner's policy.

When looking at the property claimed in the loss, you need to look at how the property is used; if it's used for the animals or in farming the land, it's excluded.

However, if the insured was watching meteor showers and left a blanket from the house in the shed, that would be household personal property and would be covered.