"Personal items" refers to belongings or possessions that are specially owned by an individual and are usually used or carried by them in their daily life. Full definition
Most standard homeowners and renters insurance policies include coverage for personal items such as jewelry; however, many policies limit the dollar amount on jewelry to $ 1,000 to $ 2,000. (iii.org)
Travel insurance coverage for personal items in baggage includes a per - item limit. (travelinsurancereview.net)