This copied from Aunt Cathy's Lecture Series # 1 Genres
Women's: Again, this contains many different sub-genre, but usually it entails family oriented stories that span one, two or three generations and usually contain internal problem solving and familial relationships. Fried Green Tomatoes is an example.
My personal fav's that are often tagged 'Women's Fiction' (although some of their books contain 'strong romantic elements) are Jodi Picault, Jennifer Crusie, Lolly Winston, Jennifer Weirner, and Susan Wiggs.
On an I like to simplify things note, I kinda think if the woman's journey is the main focus--with or without a romance--it is W's fic. If the main focus is the building romance--even with the woman's growth/journey included--it is probably a romance.
Hope that helps.