When comparing home insurance in Sydney, check whether the policy covers the building, contents, or both, and review exclusions for flood, storm, escape of water and coastal or bushfire-related damage. Make sure your building and contents sums insured reflect current rebuilding and replacement costs, as underinsurance can affect a claim. Compare excesses, temporary accommodation limits, claim procedures and optional cover such as accidental damage or motor burnout, not just the premium. Policy terms and prices vary by property location and circumstances, so read the Product Disclosure Statement and contact the insurer or a licensed adviser if you need help.