1.1.P.235 Personal effects & household contents


This definition applies to all payments subject to assets testing provisions.


'Personal effects and household contents' include:

  • clothing,
  • jewellery,
  • hobby collections (e.g. stamps and coins),
  • furniture,
  • paintings and works of art,
  • soft furnishings (e.g. curtains),
  • electrical appliances other than fixtures such as stoves and built-in items.
    • Explanation: Permanent fixtures are regarded as part of the home and not as household contents.


The following are NOT personal effects and household items:

  • vehicles (e.g. cars, boats, trailers, caravans and motor cycles),
  • bullion,
  • unmounted gems, and
  • collections held for other than purely personal purposes.

Policy reference: SS Guide Assessing Personal Effects, Household Contents, Vehicles & Cash

Last reviewed: 10 November 2014