Search for Australian insurers or licensed insurance brokers that serve your postcode, then compare policies rather than relying only on location or price. Check the Product Disclosure Statement for building and contents cover, exclusions, excesses, flood and storm protection, and whether the sum insured reflects rebuilding and replacement costs. Premiums and eligibility can vary according to your property, location and personal circumstances, so the insurer or broker will make the final assessment. You can also check an insurer's licence and complaints options through ASIC and AFCA before choosing a policy.