When comparing contents insurance in Townsville, check the policy’s cover for cyclone, storm, rainwater, theft and accidental damage, as exclusions and limits can vary. Confirm whether flood is included and how the policy defines flood, particularly for properties near rivers, creeks or the coast; storm-surge cover may also need careful checking. Calculate a realistic sum insured and review limits for valuables, electronics and temporary accommodation. Premiums, excesses and eligibility are set by each insurer, so read the Product Disclosure Statement and ask the insurer or a licensed insurance adviser about your circumstances.