When comparing contents insurance in Perth, check whether the policy covers risks relevant to your area, such as theft, storm damage, escape of water and bushfire, and whether flood cover is included or optional. Choose a realistic sum insured by listing and valuing your belongings, and check limits for jewellery, electronics, bicycles and other valuables. If you rent or live in strata, contents cover generally protects your belongings rather than the building itself, so confirm what the landlord or owners corporation covers. Compare exclusions, excesses and replacement-value terms, then ask the insurer for a personalised quote and read the Product Disclosure Statement before choosing.