When comparing home insurance in Cairns, check whether the policy covers cyclone, storm surge, flooding and storm damage, as these risks may be treated differently or excluded. Review the Product Disclosure Statement for excesses, cover limits, unoccupied-home rules and requirements for securing or maintaining the property. Premiums can vary based on the home's location, construction, age, sum insured and claims history, so obtain quotes from several insurers and compare the cover rather than price alone. A licensed insurance adviser or the insurer can explain how a policy may apply to your circumstances.