You can search for home insurers, brokers and comparison services in your area, but you are not limited to providers with a local office. Compare the policy’s building and contents cover, excesses, exclusions, limits and optional benefits, and check that your sum insured reflects current rebuilding or replacement costs. Read the Product Disclosure Statement (PDS) carefully, particularly for storm, flood, wear and tear, and valuables cover. A licensed insurance broker or the insurer can explain whether a policy suits your circumstances, while premiums and acceptance are ultimately determined by the provider.