When comparing home insurance in Adelaide, check whether the policy covers risks relevant to your area, such as storm damage, flooding, bushfires and escape of water. Confirm the building sum insured could cover rebuilding costs, including demolition, professional fees and compliance with current building standards, and consider contents cover separately. Read the exclusions, excesses and limits for valuable items, temporary accommodation and alternative accommodation. Premiums and eligibility vary between insurers, so compare the Product Disclosure Statement and ask the insurer or a licensed insurance adviser how the policy would respond to your circumstances.