When comparing contents insurance in Cairns, check whether your policy covers risks such as cyclone, storm, flood, fire and theft, as definitions and exclusions can vary between insurers. Work out a realistic sum insured for replacing your belongings and ask whether valuables, outdoor items, electronics and temporary accommodation are included or subject to limits. If you rent, contents cover may protect your belongings but generally not the building itself. Read the product disclosure statement and confirm premiums, excesses and eligibility directly with the insurer, as cover and pricing depend on your circumstances.