When comparing home insurance on the Gold Coast, check how each policy covers storms, hail, flooding, storm surge and coastal weather, as definitions and exclusions can differ. Make sure your building and contents sums insured reflect realistic rebuilding and replacement costs, and review cover for temporary accommodation, legal liability and escape of water. Compare excesses as well as premiums, including any special weather-related excesses, and read the product disclosure statement carefully. The insurer will assess your property and circumstances when deciding cover, terms and price; consider speaking with a licensed insurance broker if your home has unusual risks.