When comparing home insurance in Perth, check whether the policy covers storm damage, bushfire, flooding and escape of water, as definitions and exclusions can differ between insurers. Make sure your building sum insured reflects current rebuilding costs, including demolition, debris removal, professional fees and local construction expenses, rather than your property's market value. Consider contents cover, excesses, temporary accommodation and optional cover for valuables or accidental damage. Read the Product Disclosure Statement and confirm key details with the insurer before choosing a policy.