When comparing contents insurance in Townsville, check that your sum insured would cover replacing furniture, electronics, clothing and other belongings after a major loss. Pay close attention to how each policy treats cyclone, storm, water damage and flood, as definitions, exclusions, waiting periods and excesses can differ between insurers. Also check whether cover includes accidental damage, temporary accommodation and valuables such as jewellery, and whether limits apply to individual items. Read the product disclosure statement and confirm details with the insurer or a licensed insurance broker before choosing a policy.