When comparing insurance, look beyond the premium and check the cover provided, exclusions, benefit limits, excesses and claim conditions. Read the policy wording or Product Disclosure Statement (PDS) to understand what is and is not covered, including special conditions that may apply. Consider whether agreed or market value, replacement costs and optional extras suit your circumstances. Comparing quotes can help, but the cheapest policy may not offer the most suitable protection; contact the insurer or a licensed insurance adviser if you need help interpreting the cover.