Cover for damage or loss of your belongings due to insured events such as theft or burglary, storm, flood, fire and lightning. Designed for owners or renters in an apartment, or renters within a community association.
Contents Cover
Cover for Eligible Fixtures
24/7 Emergency Claims Line
Legal Liability Cover
Contents Insurance provides cover for your belongings for loss or damage caused by insured events listed in the PDS such as theft or burglary, storm, flood, fire and lightning. Policies generally cover content items such as furniture, clothing, jewellery, phones, TVs, computers, internal carpets, blinds and electrical appliances.
Contents Insurance is essential if you live in an apartment, unit, villa or townhouse, as Strata Insurance and Community Association Insurance only cover the building structure — not what’s inside your home or lot.
If you are a homeowner residing in a Community Association, you can cover your personal belongings through our Community Association Home and Contents Insurance.
Our Contents Insurance helps protect your belongings from a range of unexpected events.
*Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.
*You may be able to add optional covers for an additional premium. Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.
Some of the most common causes of strata insurance claims* include:
*Coverage for these events depends on the insured event, policy conditions and applicable exclusions. Refer to the PDS for full details
Get a quote today to protect your personal belongings.
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Are you a renter or strata owner-occupier who need contents insurance for your belongings at your home? Our policy includes things like:
CHU’s Contents Insurance policy doesn’t include cover for things like:
| Items | Standard policy limit | Can the limit be increased? |
| Jewellery and watches | $2,500 per item set or pair | Yes |
| Collections | $5,000 per collection | Yes |
| Artworks, rugs and antiques | $20,000 per item, set or pair | Yes |
| Cash, vouchers, gift cards, money orders, negotiable financial documents, bullion, ingots and unset gemstones | $800 total | No |
| Accessories or spare parts for motor vehicles, caravans, trailers and watercraft (when not attached) | $1,250 total | No |
| Model aircraft or drones (limitations and exclusions apply) | $1,500 per aircraft or drone | No |
| Food and prescribed medicines requiring refrigeration | $500 total per period of insurance | No |
Strata Insurance typically covers the building structure and common areas, such as the roof, walls, lifts and shared facilities.
Contents Insurance protects the belongings inside your home, including furniture, appliances, electronics and personal items.
Together, these two types of insurance help ensure both the building and your personal belongings are protected.
Use the contents insurance calculator to estimate how much it may cost to replace your belongings.
This tool provides a guide to help determine an appropriate contents sum insured and reduce the risk of underinsurance.
Explains how we calculate premiums, apply excesses and settle claims.
Should be read in conjunction with latest Product Disclosure Statement and Policy Wording.
Describes who the product is appropriate for and any conditions around how the product can be distributed to customers.
Download and complete a PDF quote form
Get a quote today to protect your contents.
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