When you compare contents insurance, look beyond the premium and check the cover limits, excess, exclusions and whether belongings are insured for replacement value or their current value. Consider optional cover such as accidental damage, portable items away from home, bicycles and valuables, as these may affect the cost and conditions. Read the product disclosure statement (PDS) and check claim limits for items such as jewellery, electronics and furniture. Insurers decide premiums, eligibility and claim outcomes based on your circumstances, so obtain quotes and confirm details directly with the provider.