When comparing home insurance in Geelong, check whether the policy covers storm, flood, storm surge, fire and water damage, as risks can vary between coastal, urban and nearby rural areas. Make sure your building sum insured reflects current rebuilding costs, including demolition, debris removal and professional fees, rather than the property’s market value. Review contents limits, accidental damage options, excesses, exclusions and any conditions for unoccupied homes. Insurers decide premiums and eligibility individually, so obtain several quotes and read the Product Disclosure Statement before choosing a policy.