Start by making a home inventory and estimate the cost to replace everything, including furniture, appliances, clothing and valuables, so your sum insured is realistic. Check whether the policy covers replacement value or only the item’s current value, and read the PDS for exclusions, limits and excesses, especially for jewellery, electronics, bicycles and items kept outside the home. Ask the insurer whether security features or safety measures affect cover, and tell them about relevant changes to your circumstances. Comparing policies on benefits, limits and exclusions—not just price—can help you choose, with the insurer making the final assessment under its policy terms.