When you compare contents insurance, look beyond the premium and check the sum insured, whether belongings are covered for replacement or market value, and the policy’s exclusions and limits. Compare cover for events such as theft, storm, fire and accidental damage, along with the excess and any special limits for valuables, electronics or bicycles. Check whether temporary accommodation and belongings taken outside the home are included. A comparison site can help you review options, but the insurer will decide the final price and cover based on your circumstances and its underwriting criteria.