Buildings and contents insurance in Cardiff can cover the structure of your home and your belongings under one policy, although renters usually need contents cover only. When comparing quotes, consider your rebuild cost, contents value, excesses, accidental-damage options and exclusions, as location, flood risk, property type and previous claims may affect availability and price. Check whether valuables, bikes, garden items and alternative accommodation are included or need extra cover. Compare policies from FCA-authorised insurers or brokers, and read the wording carefully before choosing.