When comparing insurance, look beyond the headline premium and check cover limits, exclusions, excesses, optional benefits and how claims are handled. Comparison websites may not list every insurer or policy, and their results can reflect commercial arrangements, so review the product disclosure statement (PDS) before buying. Make sure the sum insured or agreed value suits your circumstances and provide accurate information, as this can affect a claim. For complex needs, consider speaking with a licensed insurance broker or checking details directly with the insurer.