When comparing home insurance in Brisbane, check whether the policy covers storm, flood, cyclone, escape of water and other risks relevant to your suburb and property. Flood cover may have specific definitions, exclusions or waiting periods, so read the product disclosure statement carefully rather than assuming it is included. Choose a sum insured that reflects the cost to rebuild, including demolition, professional fees and compliance costs, and consider contents cover separately. Premiums and eligibility vary between insurers, so obtain quotes and confirm details directly with the insurer or a licensed insurance adviser.