When comparing home insurance in Townsville, check whether the policy covers storm, cyclone, flood and rainwater damage, as these risks can vary by property and location. Read the Product Disclosure Statement (PDS) carefully for exclusions, excesses, unoccupied-home conditions and limits for fences, sheds and contents. Set building and contents sums insured high enough to reflect current rebuilding and replacement costs, including demolition and removal expenses. Premiums and acceptance can depend on factors such as your address, construction and claims history, so compare quotes and confirm details directly with each insurer.