When doing a contents insurance comparison, check more than the premium: compare the sum insured, excess, cover type and key exclusions. Some policies cover items for replacement value, while others pay their current value after depreciation, and limits may apply to valuables, electronics, jewellery or portable items. Consider optional benefits such as accidental damage, personal effects away from home and temporary accommodation, if relevant to you. Read the product disclosure statement and confirm details with the insurer, as the appropriate cover and final price depend on your circumstances.