Personal property is anything you would pack up and take with you if you moved (clothes, furniture, kitchen items, sporting goods, electronics, rugs, tools, etc.). To determine how much coverage you need, you will need to estimate the cost to replace all of your belongs with new ones.
If you have really expensive things, like antiques, fine art, and jewelry, you will need to get extra or special coverage because standard coverage excludes these costly items.
For your personal property create list of all the big ticket items and keep it with your records. If you don’t feel like making a list, you can take pictures or a video, starting on the outside of your home, and going inside every room, closet to create a record of the contents. If you ever need to file a claim they are going to ask what was lost and needs to be replaced and it is helpful to have some documentation.