When comparing contents insurance in 2026, check whether the policy covers replacement costs or only the depreciated value of your belongings, and calculate a realistic sum insured. Review limits for valuables, electronics, documents and temporary accommodation, plus exclusions such as wear and tear, unlisted items or certain types of water damage. Premiums and available cover can vary between insurers and depend on your circumstances, so compare the Product Disclosure Statement (PDS), excesses and optional benefits rather than price alone. Contact the insurer or a licensed adviser if you are unsure which cover suits your needs.