When comparing buildings and contents insurance in Sheffield, check that the buildings sum insured reflects the cost of rebuilding your home, not its market value, and that your contents cover reflects the value of your belongings. Consider local risks such as flooding, subsidence and accidental damage, particularly if your property is near a river or in an older area. Check policy exclusions, excesses, alternative accommodation limits and whether valuables need to be listed separately. Compare quotes from FCA-authorised providers and read the policy wording before choosing cover.