When comparing home insurance on the Gold Coast, check whether the policy covers risks relevant to the area, such as storm, flood, storm surge, and coastal weather damage. Confirm the building and contents sum insured is realistic, and read the Product Disclosure Statement for exclusions, excesses and conditions such as security or maintenance requirements. Flood cover may be defined separately, so ask the insurer how it applies to your property's location. Premiums and eligibility vary by property, so obtain quotes from insurers and consider speaking with a licensed insurance broker if you need help comparing policies.