When comparing contents insurance on the Central Coast, check whether the policy covers risks relevant to your home, such as storm, flood, fire, theft and accidental damage. Work out a realistic sum insured by listing belongings and checking limits for items such as jewellery, electronics and furniture. Renters, homeowners and strata residents can have different responsibilities, so read the Product Disclosure Statement (PDS) carefully, including excesses, exclusions and temporary accommodation cover. Premiums and eligibility depend on your address and circumstances, so compare quotes with insurers and seek advice from a licensed insurance professional if needed.