When comparing contents insurance in Darwin, check whether the policy covers storm, cyclone, rainwater and flood damage, as these events may have different definitions, exclusions and excesses. Work out a realistic sum insured for replacing furniture, electronics, clothing and valuables, and check sub-limits for items such as jewellery or bicycles. Renters can usually insure their belongings without covering the building, while homeowners may need to coordinate contents cover with building insurance. Read the product disclosure statement and confirm the available cover, premiums and claims requirements directly with the insurer.