When comparing contents insurance in Perth, check whether the policy covers risks relevant to your home, such as storm, fire, theft and accidental damage, and whether flood cover is included or optional. Work out an accurate sum insured by listing your belongings and considering replacement costs, including limits for jewellery, electronics and bicycles. Compare excesses, exclusions, temporary accommodation cover and claim conditions, not just the premium. Insurers decide eligibility, pricing and claims outcomes based on the policy and your circumstances, so read the Product Disclosure Statement and seek guidance from the provider if you are unsure.