Check the policy’s overall contents limit and its maximum single-item limit, as jewellery, watches, art and collectibles may need to be listed separately. Insurers may ask for valuations, receipts, photographs or proof of ownership, and could have conditions about alarms, safes or secure storage. Consider whether you need accidental-damage cover and whether items are insured away from home, while checking exclusions and excesses carefully. Tell an FCA-authorised insurer about any valuable items and review their requirements before choosing a policy.