When comparing home insurance in 2026, check whether the policy covers your building, contents, or both, and whether the sum insured is enough to rebuild or replace your belongings. Review exclusions, limits for valuables, storm and flood cover, temporary accommodation, and the excess you would need to pay for a claim. Premiums can vary between insurers and may depend on your location, property details, claims history and chosen cover, so a lower price may not provide equivalent protection. Read the Product Disclosure Statement and confirm details with the insurer before buying.