CONTENT ITEMS
If contents are insured in a unit
COVERED
Particular contents are covered under AAMI’s Home Contents Insurance cover. Learn more about this coverage below.
What’s covered
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 or Territory law.
The fittings included under this coverage are limited by law and depend on the location of your unit. 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;
- 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., NSW Strata Schemes Management Act 2015, Strata Schemes Management Regulation 2016). 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, you can 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.