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.
Your building is covered. Now cover what’s inside.
If you live in an apartment, unit, villa or townhouse, your residential strata insurance only covers the building – not your personal belongings. You are responsible for protecting your personal belongings.
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.
CHU Contents Insurance inclusions for strata residents
|
Standard features and insured events |
Not included |
Read the PDS and TMD for full terms, conditions and exclusions. |
|
Optional Extras
|
|
Contents Insurance Estimate Calculator
Use the contents insurance calculator for a general estimate of what it might cost to replace your belongings with new items. This is a guide only, so ensure it reflects the true replacement value.
Choosing the right ‘contents sum insured’ helps avoid underinsurance. The calculator uses basic details to estimate this amount, which you can adjust. Most items are covered on a new-for-old basis.
If you're unsure about the right amount to insure for, we recommend seeking professional advice.
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.
Contents Insurance for Strata FAQs
-
Do I need contents insurance if I already have strata insurance?
Do I need contents insurance if I already have strata insurance?
Yes. Strata insurance only covers the building structure and common areas. It doesn’t protect your personal belongings inside your home.
-
What does CHU Contents Insurance for strata cover?
What does CHU Contents Insurance for strata cover?
It covers personal belongings like furniture, electronics, clothing, and kitchen appliances, as well as legal liability, temporary accommodation, and more.
-
What’s the difference between strata insurance and contents insurance?
What’s the difference between strata insurance and contents insurance?
Strata insurance covers shared property and the building itself. Contents insurance covers the personal items inside your unit and protects you from legal liability.
-
Can I add cover for items I take outside my home?
Can I add cover for items I take outside my home?
Yes. You can choose the Portable Contents option to cover personal items like phones, laptops, and bikes when you’re away from home.
-
Does contents insurance include accidental damage?
Does contents insurance include accidental damage?
Not by default. You can add optional Accidental Damage Cover for incidents like spills, drops, or power surges.
-
Can I take my cover with me if I move to another strata property?
Can I take my cover with me if I move to another strata property?
Yes. You can update your policy with your new address or transfer cover — just let CHU know.
