What is covered by contents insurance in Australia?

What is covered by contents insurance in Australia includes protection for personal belongings inside home against theft, fire, storm, flood, vandalism and accidental damage. Contents insurance covers furniture like sofas, beds, tables, electronics like TV, computers, phones, appliances like fridge, washing machine, clothing, jewellery up to $1,000 per item unless specified, and general household items, with sum insured $20K to $150K depending on home size, for example $80K for 3-bed house, costing $400 to $800 per year. It covers theft and burglary, including forced entry, with replacement new for old up to sum insured, and theft from car $500 to $1,000 limit. It covers fire, including bushfire and smoke damage, with full replacement. It covers storm, hail and flood if flood included, with many policies including flood, some excluding, so check PDS. It covers vandalism and malicious damage. It covers water damage from burst pipes, but not gradual leak. It covers accidental damage option if added, covering accidental breakage like spilling wine on carpet or dropping TV, costing extra $100 per year. It covers $10M to $20M public liability if you injure someone or damage property in home, and covers emergency accommodation $5K to $10K if home uninhabitable due to insured event. It also covers portable contents away from home like laptop and phone if portable cover added. So contents insurance covers theft, fire, weather, vandalism and liability.