I hope you don’t mind, but I have changed the topic name slightly to open it up to more discussion about what may be in each category, and whether others were aware of this.
I was told that the difference between what goes into the ‘home’ and the ‘contents’ policies was that you could move something it went into ‘contents’, but immovable objects such as those permanently fixed to the building were ‘home’. For example:
curtain tracks are home, whereas the curtains are contents,
laid carpets are home, but unsecured carpets no matter how large are contents.
built-in cupboards and wardrobes are home, but movable cupboards and wardrobes are contents.
Some insurers such as NRMA also provide calculators, which your spreadsheet probably looks like, that list and prompt for things to include in contents insurance.
There has been discussions in other topics to do with home and contents insurance such as:
etc.
(You can do a search using the magnifying glass icon on the blue bar to search for things.)
