When comparing home insurance in 2026, check whether the policy covers your building, contents, or both, and whether the sum insured would reflect current rebuilding and replacement costs. Read the Product Disclosure Statement for exclusions, excesses, flood cover, storm damage, temporary accommodation and limits on valuables. Premiums and available cover can vary between insurers and may change with your location, property risks and claims history, so compare like-for-like quotes rather than price alone. Review the policy with the insurer or a licensed insurance adviser if your circumstances or the home itself have changed.