If contents are insured in a unit
What policy covers if contents are insured in a unit
Simply put, coverage applies if contents are insured in a unit. Contents also include the fittings in a unit if the fittings are not legally part of the unit building according to the relevant state law.
The fittings included under this coverage are limited by law and depend on the location of your unit (e.g. city and state). But they could be:
- lino installed in the unit, whether permanently attached or not;
- floating wooden floors;
- air conditioners (ducted and split system) and spas for the sole use of the unit owner or occupier;
- fixtures owned by you as a tenant, which will be removed when vacating;
- wall paint and paper if your unit is located in New South Wales.
What’s not covered
We will not cover any item which is legally part of a unit building according to the relevant State or Territory law (e.g., strata legislation). You are responsible for determining whether a fitting is legally part of a unit building according to the relevant State or Territory.
Know that if you live in a strata title building, obtain a copy of the strata building insurance to understand what you may or may not be covered for. You can learn more about this coverage and other exclusions in the Product Disclosure Statement.