What is not usually covered by contents insurance?

What is not usually covered by contents insurance in Australia includes several common exclusions that homeowners should know. Not covered is wear and tear, gradual deterioration, rust and mould, as contents insurance covers sudden events like theft, fire and storm, not ageing. Not covered is mechanical breakdown of appliances unless accidental damage option included, so fridge motor failure not covered. Not covered is personal belongings over limit unless specified, with cash limited $500 to $1,000, jewellery $1,000 per item unless listed, and portable items like laptop and phone away from home not covered unless portable contents cover added $50 to $100 extra. Not covered is building and fixtures like walls, as that is building insurance. Not covered is business stock and tools over $1,000 unless business cover added. Not covered is motor vehicles, caravans and watercraft, which need separate insurance. Not covered is damage caused by pets chewing furniture, unless accidental damage included. Not covered is flood if not included, many cheap policies exclude flood. Not covered is war, terrorism, nuclear. Not covered is unoccupied home over 60 to 90 days, cover reduces. Not covered is intentional damage. So contents insurance covers theft, fire, storm, flood if included, vandalism and accidental damage if option, but not wear and tear, mechanical, cash over limit, building, business stock and vehicles.