Contents are those items owned by you and your family that are not permanently attached or fixed to the structure of your home. There are four categories:
general contents
specified jewellery
specified watches, and
specified collectables.
Contents are defined in the insurance policy. A typical definition includes:
household goods, fixtures, fittings, personal effects to the extent described.
cash, treasury notes, bank notes, savings certificates, stamps, money orders, postal notes, and bonds to an amount not exceeding $500 in all.
property used in connection with a profession
if insured in separate sums as specified contents items of property within the description of deeds, bills of exchange, etc.
any curio, picture or other work of art, fur, piece of jewellery, gold and/or silver object to an amount not exceeding $200 on any one article unless insured in separate sums as specified contents items.
specified contents items all in the building and belonging to the insured or when permanently residing with him/her to his/her spouse, unmarried children or servants.
livestock, motor vehicles, trailers and accessories in or on the said vehicles or trailers, craft designed for use on water or in the air and accessories therefore.