When comparing home insurance in Perth, check the building and contents sums insured, policy excesses, exclusions and whether storm, bushfire, flood and escape-of-water damage are covered. Perth properties can face different risks depending on their suburb, construction, age and proximity to bushland, so insurers may assess them differently. Read the Product Disclosure Statement (PDS) carefully, especially conditions about maintenance, security and unoccupied homes. Prices and cover vary between providers, and the insurer ultimately decides your premium and claim outcome based on your circumstances.