When comparing contents insurance in Adelaide, check whether the policy covers replacement value or only the depreciated value of your belongings, and confirm the limits for valuables, electronics and portable items. Consider common risks such as theft, fire, storm damage and, where relevant, flood, as definitions and exclusions can differ between insurers. If you own a unit, the building may be covered by strata insurance, but your furniture and personal belongings generally need contents cover. Premiums and excesses can vary by suburb, security features and the amount insured, so compare policy documents and check with the insurer before choosing.