How much contents insurance do I need?

How much contents insurance you need in Australia is $30K to $150K sum insured depending on house size and belongings, with 1 bed unit $20K to $30K contents costing $200 to $400 per year, 2 bed $40K to $80K $300 to $600 per year, 3 bed house $80K to $150K $500 to $800 per year, with average Australian contents $50K to $80K value including furniture $10K to $20K, electronics $10K to $15K, clothing $5K to $10K, jewellery $2K to $10K and appliances $5K to $10K. You need contents insurance sum insured equal to replacement cost of all personal belongings $20K to $150K, calculated by room, with living room furniture $5K to $10K, TV $1K, sofa $2K, bedroom beds $1K each $3K for 3 beds, wardrobes $2K, clothing $5K to $10K, kitchen appliances fridge $1K, washing machine $800, microwave $200 and kitchenware $2K, electronics laptop $2K, phone $1K, tablet $500 and gaming $500, jewellery $2K to $10K including rings $1K, watches $1K, and personal effects $1K. For example, 3 bed house 150 sqm contents $80K includes furniture $20K, electronics $15K, clothing $10K, jewellery $5K, appliances $10K and other $20K, needs $80K contents insurance $500 per year, with underinsurance below 80% of actual value $64K for $80K actual causes co-insurance penalty paying only 80% of claim $8K of $10K theft $2K out of pocket. So you need $30K to $150K contents insurance, with 1 bed $20K to $30K $200 to $400 per year, 2 bed $40K to $80K $300 to $600 per year, 3 bed $80K to $150K $500 to $800 per year, average $50K to $80K value, calculate via insurer calculator NRMA, Allianz, Budget Direct sum insured calculator, include $20M public liability.