Contents Insurance for Strata

Should I consider contents insurance if I already have Residential Strata Insurance?

If you live in an apartment, unit, villa or townhouse, your residential strata insurance only covers the building – not your personal belongings. Your possessions must be covered by you.

Contents insurance protects the personal belongings inside your home (like furniture, clothing, jewellery, phones, TVs, computers, internal carpets, blinds, and electrical items and kitchen appliances) from events such as fire, flood, theft, and more.

If your home unit becomes unfit to live in, we will cover reasonable accommodation costs as an added benefit paid in addition to your contents sum insured.

See the cover Contact us for a Quote

What is included in CHU’s Contents Insurance for Strata product?

Standard features and insured events	Not included
Storm, fire, theft, flood and more Legal liability up to $30 million Temporary accommodation for strata lot owners up to a maximum of 24 months from date of incident and for renters up to a maximum of 6 weeks from date of incident. Natural disasters e.g. earthquake or tsunami Escape of water or other liquid Accidental breakage of glass or sanitary fixtures Damage by explosion Food spoilage Burnout of electric motors, if not older than 10 years Cover for contents while moving Contact us for a Quote Read the PDS and TMD for full terms, conditions and exclusions.	Wear and tear Previous damage that hasn't been repaired Rust, corrosion, gradual deterioration Rising damp, seepage, mould, mildew, rot Action of the sea Damage to sporting equipment while being used
Optional Extras Accidental damage Enjoy added peace of mind with cover for life’s little surprises - like a TV broken by a flying toy or a knocked-over drink. Portable contents Take your cover on the go. This option protects valuable items you carry with you, such as mobile phones, bicycles, and other everyday essentials.

Standard features and insured events

Not included

Storm, fire, theft, flood and more
Legal liability up to $30 million
Temporary accommodation for strata lot owners up to a maximum of 24 months from date of incident and for renters up to a maximum of 6 weeks from date of incident.
Natural disasters e.g. earthquake or tsunami
Escape of water or other liquid
Accidental breakage of glass or sanitary fixtures
Damage by explosion
Food spoilage
Burnout of electric motors, if not older than 10 years
Cover for contents while moving

Contact us for a Quote

Read the PDS and TMD for full terms, conditions and exclusions.

Wear and tear
Previous damage that hasn't been repaired
Rust, corrosion, gradual deterioration
Rising damp, seepage, mould, mildew, rot
Action of the sea
Damage to sporting equipment while being used

Optional Extras

Accidental damage
Enjoy added peace of mind with cover for life’s little surprises - like a TV broken by a flying toy or a knocked-over drink.
Portable contents
Take your cover on the go. This option protects valuable items you carry with you, such as mobile phones, bicycles, and other everyday essentials.

What if I move house?

The beauty of CHU Contents Insurance is that you can take it with you. Simply take out a 12-month CHU Contents Insurance and notify CHU of your new address when you move. We even cover your goods on move day.

Is it just my possessions that are covered?

Your CHU Contents Insurance doesn’t just cover your possessions. Legal liability cover is included with your contents cover. CHU will cover you for bodily injury or death and loss or damage to another person’s property with a sum insured of $30M.

How much contents insurance do I need?

How much cover you need will depend on what kind of strata property you own or inhabit and where exactly you live. So the best way to get a realistic idea, while making sure you haven’t overlooked any potential costs, is to head to the CHU Contents Insurance Calculator.