When comparing home insurance in Perth, check that the building sum insured reflects rebuilding costs, including demolition, professional fees and local construction costs. Consider cover for storm, hail, bushfire, escape of water and flood, as definitions and exclusions can differ between policies. Contents cover, accidental damage and legal liability may also be important, particularly if you own valuable belongings or have a swimming pool. Premiums and available cover depend on your property and circumstances, so read the Product Disclosure Statement and confirm details with the insurer.