Hey, I'm looking at getting contents/renters insurance for the first time, trying to work out what's worth paying extra for.
So far I've found that Woolworths Comprehensive Insurance is the cheapest with accidental coverage added, but with a $500 excess. For the same price Westpac will do a $100 excess with no accidental coverage.
I've tried comparing across companies but it seems like nothing is standard. Some cover mobile phones, some cover pet damage, some cover outdoor furniture. Let alone customer service quality. What's worth paying for, what's a gimmick, what will end up being a trap or a gotcha down the road?
Is there any way to compare fairly here? Or are there any OzBargain approved contents insurance companies that always offer the best $/performance?