When comparing home insurance in Cairns, check how each policy covers cyclone, storm, flood, rainwater run-off and other weather-related damage, as exclusions and definitions can vary. Confirm whether flood cover is included or optional, and choose a building sum insured that reflects current rebuilding costs, including demolition and debris removal. You should also review excesses, temporary accommodation limits and contents cover. Premiums and eligibility depend on your property and circumstances, so compare the policy wording and check details directly with insurers or a licensed insurance professional.