What is included in Contents Insurance?

Contents insurance with new-for-old replacement

Cover for your personal belongings

21 days cooling off period

24/7 Emergency Claims Line

Cover for contents while moving

What is included in contents insurance?

Contents insurance covers most of the things you have in and around your home, from small personal items such as jewellery and mobile phones to household goods, business equipment and clothing. Outdoor items are also covered even if they are stored outside, including surfboards and bikes as long as you locked them securely.

The folllowing items are included:

Household goods
Electronic items
Furniture and furnishings
Floor coverings
Internal blinds, curtains
Relocatable light fixtures
White goods
Clothing and other personal effects
Children’s toys
Specified contents
High risk items

All these items are included up to pre-determined sub-limits, with these limits dependent on the level of cover you want.

What does contents insurance cover?

Your contents are covered in the event of fire, storm, flood, earthquake, theft, or malicious damage by an intruder.

What’s more, some personal items are covered away from home, these include bicycles (as long as you lock them securely!), mobile phones, jewellery, rings and wedding bands.

What is not covered by contents insurance?

Unlike home and contents insurance, CHU’s simpler contents insurance does not cover the building as this is usually covered by strata insurance. Nor does contents insurance cover normal wear and tear, any intentional damage, gardens and plants, pets and animals, loose gemstones, or items such as powered watercraft, caravans, motor vehicles, inground pools and spas, caravans or trailers.

What is included in Contents Insurance?

What is included in contents insurance?

What does contents insurance cover?

What is not covered by contents insurance?

Ready to protect your items?