When comparing home insurance, look beyond the premium and check the sum insured, policy exclusions, excesses and limits for contents or specific valuables. Confirm whether the policy covers events relevant to your area, such as storm, flood, bushfire or accidental damage, and whether temporary accommodation is included. Check if the insurer offers replacement or agreed-value cover and understand how claims are assessed. A comparison site can help you review options, but the insurer decides the final price, terms and eligibility based on your circumstances.