For home insurance in 2026, review your building and contents sums insured to make sure they reflect current rebuilding, replacement and renovation costs. Check whether your policy covers storm, flood, bushfire and other risks relevant to your location, and read the excesses, exclusions and limits in the Product Disclosure Statement. Premiums and available cover can change, so comparing policies may help, but the suitable option depends on your property and circumstances. Ask the insurer or a licensed insurance adviser to explain any changes before renewing.