When comparing contents insurance in Newcastle, check whether the policy covers risks relevant to your home, such as storm, theft, fire and possibly flood, as exclusions and definitions vary between insurers. Make a realistic inventory of furniture, electronics, clothing and other belongings, and check whether the sum insured is enough to replace them at today’s prices. Look at excesses, temporary accommodation, portable valuables and limits for items such as jewellery or bicycles. Obtain quotes from several insurers and read the Product Disclosure Statement, or speak with the insurer or a licensed insurance adviser about your circumstances.