When comparing contents insurance in Geelong, check the cover for risks relevant to your home, such as theft, storm, fire and water damage, and whether flood cover is included or optional. Consider the sum insured carefully, including furniture, electronics, clothing and valuables, as underestimating replacement costs can leave you out of pocket after a claim. Compare limits, exclusions, excesses, temporary accommodation cover and options for specific valuables. Premiums and available cover vary by insurer and your circumstances, so read the product disclosure statement and ask the insurer or a licensed adviser about anything unclear.