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Great Southern Bank’s owner-occupier Contents-Only Insurance can be relevant if you own and live in a strata unit: the bank says it covers household belongings and treats built-in fixtures in a strata property as contents. That does not settle who pays for a particular fixture after a loss. Check the strata building policy alongside the applicable Great Southern Bank policy documents and your policy schedule.
How contents cover fits with strata insurance
Great Southern Bank describes its home building cover as excluding strata properties where the body corporate is responsible for the building. Its contents FAQ says built-in fixtures are covered as contents when the home is a strata property. These are general descriptions, not a guarantee that every fixture in every scheme is covered by one policy.
For a disputed or uncertain item—such as carpets, blinds or curtains—check the strata scheme’s building policy and records, then compare them with the Great Southern Bank Product Disclosure Statement (PDS), Key Fact Sheet and your policy schedule. The exact responsibility can depend on the fixture and the wording of both policies. The bank’s home insurance FAQ explains its general distinction between building and contents cover.
What Great Southern Bank says its contents cover includes
The bank’s contents summary gives examples including furniture, white goods, rugs, electrical appliances, clothes and linen. For a strata owner-occupier, it also identifies built-in fixtures as contents. The summary is not a substitute for policy wording: definitions, conditions, excesses and individual limits must be checked in the documents that apply to your policy.
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Included benefits and stated limits
The bank’s current, undated product page lists the following benefits and limits. Confirm them in the applicable PDS and schedule before relying on them.
| Benefit | What the bank’s summary states |
|---|---|
| Contents kept outdoors | Up to $2,000 for contents intended to be kept outdoors. |
| Guests’, visitors’ or domestic helpers’ property | Up to $5,000 when the property is lost or damaged in an insured event for which a claim is made. |
| Moving house | Cover at the old and new address for up to 14 days after the move begins. Transit is not covered unless optional Accidental Damage is selected. |
| Emergency storage | Storage costs for undamaged contents for up to 12 months if the home becomes uninhabitable, subject to the remaining contents sum insured. |
| Food or medicine spoiled by a fridge or freezer breakdown | The page lists this benefit, subject to an excess except in the stated natural-disaster circumstance; check the policy wording for the conditions. |
Optional cover
- Accidental Damage: listed as an optional extra. The bank says selecting it also automatically includes Motor Burnout.
- Motor Burnout: the summary describes cover for motors less than 10 years old. Check the policy wording for covered motors, limits and conditions.
- Portable Contents: an option for belongings taken away from home, with examples including wallets, glasses, jewellery, cameras and mobile phones.
The page is a summary; it does not establish the full limits, definitions, excesses or conditions for an individual policy. Use the applicable PDS and schedule to determine what a particular loss would qualify for.
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Exclusions highlighted by the bank
- Wear and tear, gradual deterioration and lack of maintenance.
- Consequential loss, such as loss of income.
- Loss, damage or theft deliberately caused by the insured, domestic helpers or workers, guests, or residents at the insured address.
These are examples from the web summary, not a complete list of exclusions.
Do these 3 things before closing this tab:
1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errorsOwner-occupied unit or rented investment property?
The owner-occupier Contents-Only product is not for a property rented to tenants. Great Southern Bank states: “Our Contents-Only Insurance doesn’t cover investment properties rented out to tenants.” If you lease the unit, consider the bank’s separate landlord product rather than applying owner-occupier terms to it.
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The bank says Landlord Contents-Only Insurance may be available without landlord building cover when the strata scheme already insures the building. It describes the landlord policy as covering the owner’s fixtures, fittings and items within the unit. Confirm eligibility and terms in the landlord policy documents; these landlord features do not establish cover under the owner-occupier policy. See the bank’s Landlord Contents-Only Insurance and Landlord Building and Contents Insurance pages.
What to check before choosing a policy
- Confirm how the unit is used. Establish whether it is your home or an investment property rented to tenants; the bank separates its owner-occupier and landlord products.
- Identify who owns each item. Separate your belongings and fixtures from property maintained or insured by the strata scheme.
- Check the strata policy boundary. Review strata insurance records and ask the relevant strata contact how the specific fixture is treated.
- Read the documents for the cover being quoted. Check the current PDS, Target Market Determination (TMD), Key Fact Sheet and policy schedule for definitions, insured events, limits, excesses and exclusions. Allianz provides a Target Market Determinations index; ensure you use documents applicable to the policy version offered.
- Decide whether optional cover fits your needs. Consider accidental damage, motor burnout and portable belongings, and verify their terms rather than relying only on examples in the web summary.
- Set and compare the contents sum insured. The bank directs customers to obtain a quote based on their contents and location; the reviewed product page does not give a representative premium for a defined risk profile. Compare quotes only on equivalent assumptions and cover.
Who provides the policy, and what is not established
Great Southern Bank says it arranges the insurance as agent for Allianz Australia Insurance Limited. The bank also says it does not provide advice based on an individual’s objectives, financial situation or needs, and that it receives a percentage of the premium if a customer buys the product. Those disclosures are relevant when treating the bank’s product page as a summary rather than personal advice.
Rank #4
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The published summary does not establish the premium for your address, the exact current PDS version applicable to a quote, or whether a particular claim would be accepted. Allianz describes contents insurance generally on its contents insurance page; for the terms that govern a purchase, rely on the policy documents and schedule supplied for that policy.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
