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.

Yes, we do provide loss of rent for casual lets (no legal requirement for a lease agreement and rental period is less than 3 months), noting that only confirmed bookings will be covered in the event you need to make a claim for loss of rent. Rent default however is not available for casual lets. Please contact us to ensure your specific requirements are met. 

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.

Landlord Insurance is designed for property investors who rent out strata units, apartments, or homes within a community association to tenants. It protects you and your investment property from any damage to contents from insured events such as fire, flood or storms. It covers items such as carpets, light fittings and fixtures as well as loss of rent if the property is unfit to be occupied. Additionally, it covers you and your investment property from malicious tenants who might vandalise your property or leave without paying the rent.

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.

Legal liability refers to your responsibility for injury or damage to others or their property. Contents Insurance covers legal liability by providing financial protection if you are found liable for personal injury or damage caused by you or your belongings, covering legal costs and compensation.

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

When you add our Portable Contents option, your items are protected anywhere in Australia or New Zealand, and for up to 90 consecutive days anywhere else in the world.