What is covered under personal property coverage?

What is covered under personal property coverage in Australia insurance, also called contents coverage, includes personal belongings $20K to $150K like furniture $10K, electronics $10K, clothing $5K, jewellery $2K to $10K, appliances $5K, kitchenware $2K, sports equipment $1K and personal effects $1K, against theft, fire, storm, flood and accidental damage inside home, costing $300 to $800 per year for $30K to $80K contents. Personal property coverage, part of home contents insurance, covers personal belongings you own for personal use inside home and sometimes outside with personal possessions extra $50 to $150 per year for $5K to $20K away from home, covering events including fire $80K claim if house fire destroys contents, theft $5K to $20K if burglar steals electronics $10K, storm and flood $10K to $50K if water damages furniture $10K, vandalism $2K to $10K, accidental breakage of glass $1K and $20M public liability if visitor injured $100K to $500K claim. For example, 2 bed flat contents $80K includes furniture $20K, electronics $15K, clothing $10K, jewellery $5K, appliances $10K and other $20K, all covered for fire $80K, theft $15K electronics, with excess $500. So personal property coverage covers furniture, electronics, clothing, jewellery, appliances, kitchenware, sports equipment and personal effects $20K to $150K against theft, fire, storm, flood and accidental damage inside home, costing $300 to $800 per year for $30K to $80K, plus optional personal possessions $50 to $150 per year for $5K to $20K away from home.