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What is contents insurance?

Should I consider contents insurance?

It’s not until things go wrong that you realise how expensive it can be to replace your belongings. Contents insurance can protect you against the cost of replacing your possessions if a major disaster hits such as a fire, storm, malicious damage or theft.

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

CHU’s Contents Insurance for Strata covers contents on a replacement (new for old) basis against loss or damage from specified events including household and personal items from computers, televisions, electrical appliances and sound systems to jewellery, clothing, furniture and even important documents, works of art and musical instruments. Your policy even offers coverage for some unspecified high risk outdoor items like your bike and tools of trade.

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.

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Doesn’t building insurance cover me?

No. Building insurance only covers the building. Your possessions must be covered by you.

Contents insurance for strata explained

Confused about what contents insurance for strata covers? Watch this video for a full explanation of what it covers:

moving house
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 Contents Insurance for Strata policy and notify CHU of your new address when you move. We even cover your goods on move day.

injured leg
Is it just my possessions that are covered?

Your CHU Contents Insurance for Strata policy 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.

gold jewellery
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.