When comparing home insurance in Geelong, check whether the policy covers risks relevant to your location, such as storm, flood, water damage, bushfire and coastal weather, as coverage and exclusions can vary between suburbs and insurers. Make sure the building sum insured reflects current rebuilding costs, including demolition, professional fees and temporary accommodation, rather than the property’s market value. Compare excesses, contents cover, optional benefits and exclusions in each insurer’s Product Disclosure Statement (PDS). Premiums and eligibility are determined by each insurer using your property details, so consider seeking advice from a licensed insurance broker if you need help comparing policies.