When comparing home insurance in Canberra, check that the sum insured reflects current rebuilding costs, including labour, materials and professional fees. Review cover for risks relevant to the ACT, such as bushfire, storm, hail, escape of water and theft, and check how flood is defined and whether it is included or optional. Compare excesses, exclusions, temporary accommodation limits and cover for valuable items, not just the premium. Policy terms and pricing vary between insurers, so read the Product Disclosure Statement and consider getting advice from a licensed insurance professional.