Contents insurance costs vary depending on factors such as the value of your belongings, where you live, your chosen excess, security features and the level of cover selected. Policies with higher limits or optional cover for items such as jewellery, portable electronics or accidental damage will generally have different premiums than basic cover. To compare costs, work out an accurate contents sum insured and obtain quotes from several insurers, checking exclusions and limits as well as the price. The insurer will assess your details and determine the premium and available cover.