If your home were prone to flooding it would be wise to check that your house owner kwik fit insurance online does cover flooding for your postcode. You should not assume that just because a previous policy covered flooding any future one will, as the conditions are always changing.
Ask yourself what is the true cost of replacing all your possessions in your home. You could use a video camera to film it all, then try to do an inventory. Once you have a true value you can then fill in your house owner kwik fit insurance online form correctly with the right value.
Some home house owner kwik fit insurance online companies choose not to use comparison websites, so often the only way to know if you have the best deal is by doing both comparison and visiting the companies who choose to only sell direct.