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Contents Insurance

New for old replacement

Protects furniture, whitegoods, portables, jewellery and electricals from theft, water damage, fire and storms. Covers legal liability too.

Get a free quote 10% off your contents insurance quote

No need to upgrade your contents insurance – it’s all included at a market leading rate

CHU specialises in providing comprehensive contents insurance for apartments, units, villas and townhouses.

Unlike other contents insurances CHU offers comprehensive insurance, meaning your covered for loss or damage to your personal contents of your property from liability, theft, water damage, fire and storms without the need to purchase ‘optional extras’. Get a quote to compare your inclusions and see how much you can save.   

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The following features are standard inclusions with CHU Contents Insurance, no need to upgrade or purchase extras:

  • Motor burnout: Up to $2,000 to repair or replace the motor of household equipment and appliances less than 10 years old
  • Flood cover: Cover for loss or damage caused by flooded rivers, creeks and other bodies of water
  • Portable contents: Insures portable items like phones, electricals and jewellery that you take out with you or that are temporarily in transit.
  • New for old replacement: Loss or damage from specified events which includes events such as fire, storm, malicious damage and theft
  • 21 day cooling off period with $0 cancellation fee: You can cancel your insurance within the first 21 days for a full refund. You may also cancel your policy at any time for a pro-rated refund.
  • Legal Liability: Covering you for up to 30,000,000 for the death or injury to someone in your property. You will also be covered defending a claim.

Why Choose CHU?

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Multi award winning
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Over 900,000 properties protected
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40 years of insurance expertise

Why is liability insurance important?

If someone has an accident on your property, is injured from something that is a part of your property or causes damage to their property you may be found legally liable and be forced to pay damages.

Accidents can and do happen at any time, and if someone suffers an accidental injury while on your property then the financial impact could be significant.

To protect yourself it’s important to be sure your contents policy includes legal liability. CHU Landlord Insurance automatically includes legal liability to protect cover you against personal injury or property damage for:

  • Death or injury to other people
  • Loss or damage to someone else’s property

Frequently asked questions

  • What is CHU Contents Insurance and do I need it?

    CHU Contents Insurance is insurance cover for household and personal possessions such as clothing, jewellery, furniture, TV, computers, internal carpets, blinds and electrical appliances belonging to yourself and your family members. It is important as it covers the financial cost of repairing or replacing your household and personal possessions in the event of loss or damage.

  • Do I need Contents Insurance when my building has Strata Insurance?

    Yes, Residential Strata Insurance only provides general insurance cover for the building, common area contents and shared property. The cover provided by the Strata Building policy ends when you cross the threshold of your individual property. A separate Contents Insurance policy is required to protect your personal possessions.

  • What is a Strata property?

    A strata scheme is a building or collection of buildings that has been divided into ‘lots’ and common property. Lots are individual units, flats, apartments, townhouses, villas or duplexes. Common Property is the shared items in 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.

  • Are there discounts for seniors and retiree's?

    Yes, CHU is rewarding your life experience with a seniors discount. For seniors from the age of 50+ you are eligible for up to a 10-15% seniors discount off the Standards benefits section of your policy (excludes Legal Liability, Flood and Specified Valuables). Additionally retirees receive a 7.5% discount.

Important Documents and Forms

Name Link

PDS and policy wording


Supplementary PDS
Should be read in conjunction with latest Product Disclosure Statement and Policy Wording.


Fact sheet
Should be read in conjunction with latest Product Disclosure Statement and Policy Wording.


Contents Insurance Flyer
Should be read in conjunction with latest Product Disclosure Statement and Policy Wording.