You can compare contents insurance from national insurers, local brokers and comparison services, many of which provide quotes online without a nearby office. Check what is covered, including theft, fire, storm damage, accidental damage and temporary accommodation, and note exclusions, limits and excesses. Make sure your sum insured reflects the cost of replacing your belongings, rather than their second-hand value. Premiums and eligibility depend on your address, circumstances and selected cover, so confirm the details with the insurer or a licensed insurance adviser before buying.