Contents insurance costs vary depending on factors such as your location, the value and type of belongings you insure, your chosen excess, security features and the cover options included. A higher sum insured, accidental damage cover or protection for valuables may increase the premium, while a higher excess can reduce it. Insurers assess these details differently, so there is no standard price or guaranteed saving. Compare quotes carefully and check the policy limits, exclusions and claim requirements before choosing cover.