With contents insurance there are a number of things that you should be looking out for to avoid unpleasant surprises, should you ever need to make a claim.

As with buildings insurance, the level of cover that you have on your policy is very important. With the increase in electrical equipment in our daily lives, many people underestimate the replacement value of their contents, so it's worth checking that you have adequate cover. You may be surprised by how much all your contents are worth.

Contents insurance can also have many additional features that you may have to pay a premium for, but may be worth it, depending on your lifestyle and personal circumstances.

Accidental Damage is a feature of some policies have. This is something that you may find important if you're a DIY entusiast, or perhaps if you have small children.

New for Old is another feature that's not always present but may be very important to you, so you should check if this is covered in your quote.

One to watch out for if you have any very expensive items in your home is any cap on the amount payable against a single item. Most insurers have a limit to what they will pay out on any single item, so make sure your prized possessions are adequately covered.

If you already know what you're looking for, you can skip straight to our featured insurance companies, or search the insurance directory directly to find the right insurer for you.