When comparing home insurance on the Sunshine Coast, check whether the policy covers storm, flood, rainwater run-off, cyclone-related damage and coastal risks, as definitions and exclusions can differ. Make sure your building and contents sums insured reflect current replacement costs, including demolition, professional fees and temporary accommodation where covered. Check excesses, unoccupied-home conditions and exclusions for poor maintenance or gradual water damage. Premiums and eligibility depend on the property, insurer and individual circumstances, so compare the Product Disclosure Statement and contact the insurer or a licensed insurance adviser if you need help interpreting cover.