What Is Contents Insurance and What Is Included?

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.

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What is included in your cover
Optional extras
What is not included in your cover

Fire, theft and malicious damage
Legal liability up to $30 million anywhere in the world
Temporary accommodation up to six weeks
Extreme weather e.g. storm or flood
Natural disasters e.g. earthquake or tsunami
Damage from water that’s escaped
Broken glass (accidental)
Damage by explosion
Food spoilage
Burnout of electric motors, if up to 10 years old
Cover for contents while moving

Limits and conditions apply. Refer to the PDS for full details.

Accidental Damage Cover: Extra protection for unexpected mishaps – like when a child accidentally breaks your TV.
Portable Contents Cover:Cover away from home, for items such as mobile phones and bicycles.

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

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.

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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.

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Contents Insurance for Strata FAQs

Yes, if you own a home within a Community Association, you’ll typically need building insurance, contents insurance, or both. The community association policy only covers shared property and building structure.

It covers your belongings — like furniture, electronics, clothing, and appliances — against events such as storm, theft, fire, and water damage. It also includes legal liability cover.

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.

Yes. You’re covered for up to 60 days during your move, and you can easily update your policy with your new address.

Contents Insurance for Strata

Your building is covered. Now cover what’s inside.

What is included in your cover

Optional extras

What is not included in your cover

Contents Insurance Estimate Calculator

What if I move house?

Is it just my possessions that are covered?

How much contents insurance do I need?

Ready to protect your items?

Contents Insurance for Strata FAQs

Do I need both strata and contents insurance?

What does CHU Contents Insurance cover?

What’s the difference between strata insurance and contents insurance?

Can I get cover for items I take outside the home, like my phone or bike?

Is accidental damage covered automatically?

Can I take my contents cover with me when I move?