When comparing contents insurance in Cairns, check whether the policy covers cyclone damage, storm surge, flooding and water damage, as these events may have different definitions, exclusions or excesses. Work out an accurate sum insured for replacing your belongings, including furniture, electronics, clothing and valuables, and check any limits for particular items. It is also worth reviewing temporary accommodation cover, security requirements and unoccupied-home conditions. Cover, premiums and claim decisions depend on the insurer and your circumstances, so read the Product Disclosure Statement and ask the insurer or a licensed adviser about anything unclear.