When comparing contents insurance in Brisbane, check whether the policy covers risks relevant to your area, such as storm, flood, theft and water damage. Work out an accurate sum insured for replacing your belongings, and compare the excess, exclusions, temporary accommodation limits and claims process—not just the premium. Renters may need contents cover without building insurance, while homeowners should check how the contents section works with their building policy. Read the Product Disclosure Statement and confirm the details, price and suitability with the insurer before deciding.