Make a home inventory and estimate the current replacement cost of your belongings, rather than relying on a rough guess. Check whether valuables such as jewellery, bicycles, artwork and electronics have individual limits or need to be listed separately. Read the policy wording for exclusions, excesses, temporary accommodation and cover for accidental damage, then compare these features rather than price alone. Review your sum insured after major purchases or renovations, and confirm the final cover and premium directly with the insurer.