What are considered personal belongings?

What are considered personal belongings in Australia insurance includes furniture, electronics, clothing, jewellery, appliances, sports equipment and personal effects $20K to $150K total, covered under contents insurance $300 to $800 per year for $30K to $80K contents. Personal belongings, also called personal possessions or contents, means items you own for personal use, not business, including furniture $10K like sofas, beds, tables, electronics $10K like TV, laptop, phone, clothing $5K to $10K, jewellery $2K to $10K, appliances $5K like fridge, washing machine, kitchenware $2K, sports equipment $1K to $5K like bikes, musical instruments $1K and personal effects like bags $500, covered for theft, fire, storm, flood and accidental damage inside home under contents insurance $300 to $800 per year for $30K to $80K sum insured. For example, 2 bed flat contents $80K includes furniture $20K, electronics $15K, clothing $10K, jewellery $5K, appliances $10K and other $20K, covered for fire $80K claim. Items considered personal belongings exclude building structure walls, roof, fixed fixtures like kitchen cupboards covered under building insurance $1,200 to $1,800 per year for $500K building, and business stock and tools unless home business cover $5K. So personal belongings considered are furniture, electronics, clothing, jewellery, appliances and personal effects $20K to $150K, covered under contents $300 to $800 per year inside home, plus optional personal possessions $50 to $150 per year for $5K to $20K away from home for theft and loss outside.