When comparing contents insurance in Newcastle, check whether the policy covers risks relevant to your area, such as storm, flood, theft and accidental damage. Make an inventory of your belongings and choose a sum insured that reflects the cost of replacing them, including limits for valuables, electronics and bicycles. Compare exclusions, excesses, temporary accommodation cover and whether items are insured at home or away from home. Cover, premiums and eligibility depend on the insurer and your circumstances, so read the product disclosure statement and ask the insurer about anything unclear.