p>One good way to work out how much contents insurance you need is to go room to room (including sheds and garages), adding up the value of your belongings. You’ll want to include your clothes, jewellery, books, electronics, appliances and whitegoods, and don’t forget furniture, carpets, curtains and any detachable fittings and furnishings. Check the Product Disclosure Statement (PDS) of the policy you’re interested in to see the maximum limits for certain items. Usually if you have items worth more than the limit, you may need to cover them separately as specified valuable items.</p