If you live in a strata-titled property, strata insurance covers the building — but not your personal belongings.
If you live in a strata-titled property or a home within a community association , damage to the building and common areas, like gyms and pools, should be covered by strata or community association insurance, which generally is mandated in each state and territory.
However, to protect your own personal possessions, as well as cover against any potential liability claims, you need to consider Contents Insurance for within your residence.
CHU Contents Insurance can provide cover for your belongings for loss or damage caused by a variety of things like storm, fire, theft, flood and more.
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Included |
Not Included |
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Are you a renter or strata owner-occupier and need contents insurance for your belongings at your home? It includes things like: ● Cover for damage or loss caused by a storm, fire, theft, flood and more ● Up to $30 million legal liability ● Contents cover while moving to your new residence ● Electrical motor burnout cover ● Contents cover for up to 60 days at your old and new home ● Environmental upgrades ● Cover for fixtures attached to the property which the body corporate isn’t required by law to insure (strata owner-occupiers) or that you’re responsible for under your lease agreement (renters) |
CHU’s Contents Insurance policy doesn’t include cover for things like: ● Home (or ‘buildings’) insurance ● Wear and tear, gradual deterioration or costs associated with maintenance.
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PLUS your policy comes with:
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Category |
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Mobile Phones |
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Jewellery and watches – this does not include smart watches |
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Portable electronic devices – includes things like GPSs, smart watches, tablets and laptops (but excludes mobile phones) |
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Bicycles and personal mobility devices – include their equipment and accessories |
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Recreational, hobby items or clothing – includes things like sporting equipment, musical instruments, camping gear, and accessories normally worn or carried such as sunglasses and handbags |
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Medical or health items – includes things like hearing aids (but not hearing implants), prescription spectacles or mobility scooters but does not include any medical equipment or apparatus that requires specialised fitting, customisation or modification by a medical professional, is custom made for you, or requires operation or supervision by a medical professional while in use. It also does not include drugs or other prescribed medication. See the definition of ‘medical or health items’ for further details. |
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Collections |
Read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the full details of the cover, including limits, exclusions and conditions.
Whether you’re an owner or tenant to be fully covered in the event of a claim you need contents insurance for your personal possessions and liability to others along with residential strata insurance for your building.
CHU organises the insurance of more buildings in Australia than any insurer, so when your building insurance is organised through CHU and you make a claim you may save on your excess payment and get quicker repairs. To see if your building is insured contact us:
Yes - If you want protection for your personal belongings and legal liability. Strata insurance only covers the building and common areas.
It covers your furniture, appliances, electronics, clothing, and more from events like fire, theft, flood, or storm. It also includes legal liability and optional extras like accidental damage or portable contents.
Yes. If your home becomes uninhabitable due to an insured event, we can help cover the cost of temporary accommodation.
Strata insurance is arranged by the owners corporation and covers the building structure and shared property. Contents insurance protects your personal belongings inside your lot.
Yes. Add the Portable Contents option to your policy to protect personal items when you’re out and about — even overseas for up to 90 days.
No, but you can add Accidental Damage Cover to your policy to protect against everyday mishaps, like power surges or spills.
