Landlord Insurance is not mandatory in Australia, but it is highly recommended to protect your investment property and safeguard against unexpected events as strata insurance and community association insurance do not cover personal belongings. Landlord insurance can provide financial security in case of damage, loss of rental income, or liability claims.

CHU Landlord Insurance is designed for property investors who rent out strata units, apartments, or homes within a community association. Please refer to the Target Market Determination for additional information on product suitability.

Yes, a refund may be available. We can also assist if you are changing this from a Landlord to a Contents Insurance policy, as you are now moving in. Just let our team know and we can help. Click on the chat bubble at the bottom right of your screen to send us a Live Chat.

If CHU insures the residential strata scheme at the same address where your lot is situated and damage occurred that is claimable to both your Strata cover and Landlord cover due to the same cause and on the same date, only the excess on the residential strata policy is due for payment.

Yes, please advise us of any changes to weekly rent to ensure that we’re maintaining an acceptable level of coverage for you.

Lots are individual units, flats, apartments, townhouses, villas or duplexes on land that has been sub-divided into a strata title. Common Property is the shared spaces in the scheme such as common stairwells, driveways, visitor parking, roofs, gardens, lifts, gyms, pool etc. Strata living can provide a friendly community-style environment but differs from living in a freestanding house.

Yes, Community Association  insurance only provides for accidental loss or damage to community property, as well as protection against risks faced by the association including legal liability.  Landlord Insurance protects you for damage to your own home within a community association.

Yes, Residential Strata Insurance only provides general insurance cover for the building, common/shared property and common/shared contents. The cover provided by the Strata Building policy generally ends when you cross the threshold of your individual property. Landlord insurance protects you for tenant related loss/damage inside your property and to strata fixtures not covered by the Body Corporate.

It’s insurance cover for investment property owners who are renting out a unit/apartment or a home within a community association to tenants. It provides cover for accidental loss or damage to contents in your unit from insured events such as fire, flood or storms. It covers items such as carpets, light fixtures and fittings as well as loss of rent if the unit is unfit to be occupied. Additionally, it covers you and your investment property for malicious damage to contents/buildings caused by tenants and/or their guests.

Contents Insurance is typically not mandatory for renters, but it is highly recommended to protect your belongings in case of unforeseen events.

Yes, a refund may be available. We can also assist if you are changing this from a Contents to a Landlord policy, if you are now getting tenants to occupy the residence. Just let our team know and we can help. Click on the chat bubble at the bottom right of your screen to send us a Live Chat.

Please contact our team to let us know and we can change details or organise a new quote and cancel your current policy.