Finding an easy way to perform a contents insurance comparison can be a bit tricky as those on offer can vary a great deal when it comes to things such as what occurrences they will cover you for and how they handle the replacement/claim process. The key is to read the small print.

First off you might as well take a look at the price when doing a contents insurance comparison and for this you should just use one of the main price aggregators in the marketplace such as Moneysupermarket or BeatThatQuot. They will search many of the leading contents insurance companies in a matter of minutes meaning you only need to fill out one form rather than many.

Once you have compared prices and chosen a shortlist of three or four companies you would prefer to get a policy with it is time to read up on the finer details of the contents insurance contract. Here are some things that you will definitely need to focus on:

• What kinds of accidental damage are covered by the policy?
• If your possessions will be replaced new for old. For example, would your 2 year old sofa be replaced with a brand new one of the same initial value or with one of a lesser value?
• Will items in the garden or garage be covered on the policy and are there any stipulations?
• Is there any guaranteed time frame in which claims will be processed?
• If you want to argue a settlement is there a procedure in place with an impartial third party?

So when your policy is next up for renewal keep these points in mind when trying to do a contents insurance comparison.