Check that your building and contents sum insured reflects the likely replacement cost, including rebuilding expenses, demolition and professional fees where relevant. Review what is covered, such as storm, flood, theft and accidental damage, along with exclusions, excesses, limits and temporary accommodation benefits. Confirm your security, maintenance and occupancy details are accurate, as these may affect cover or claims. Keep an inventory of valuable belongings, update your policy after renovations or major purchases, and ask the insurer or a licensed insurance professional about anything unclear.