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Huddle Basic is a contents insurance policy for Australian strata owners, but it does not replace the owners corporation’s building insurance. Its reviewed terms include cover for some permanent fixtures only when they are not insurable by the body corporate, plus limits and exclusions that can affect valuables, theft and contents kept outside. Check your strata policy, the current Huddle Product Disclosure Statement (PDS) and an address-specific quote before deciding whether it fits.
What Huddle Basic is—and who it is for
CHOICE identifies Huddle Basic (strata owners) as a sum-insured contents policy provided by The Hollard Insurance Company Pty Ltd. It lists availability in the ACT, New South Wales, Queensland, South Australia, Tasmania, Victoria and Western Australia. A policyholder must nominate a contents sum insured. CHOICE’s policy review is a summary; the current PDS and your policy certificate set the terms that apply to a purchase.
Huddle says its contents insurance is designed for homeowners, owners of strata-titled residential properties and renters who want cover for their contents. That establishes that strata owners are within the intended audience; it does not establish what a particular owners corporation already insures. Huddle’s FAQ provides the product-category statement.
How contents cover fits alongside strata insurance
Strata insurance generally concerns the building and property insured by the owners corporation or body corporate, while a contents policy is intended to insure belongings owned by the policyholder. The dividing line can be less obvious for fixtures inside an apartment: it depends on the scheme’s insurance arrangements, the policy definitions and the relevant property boundaries.
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CHOICE’s summary says Huddle covers permanent fixtures up to the contents sum insured when those fixtures are not insurable by the body corporate. Treat this as a point to verify, not a blanket promise that every fixture inside your unit is covered. Ask the strata manager or owners corporation for the current insurance documents and determine which fixtures the scheme insures. Then check the Huddle PDS definitions and conditions for any fixture you may need to insure personally.
Limits and exclusions that may affect a claim
The figures below are limits reported in CHOICE’s 2025-copyrighted review summary, which does not state a distinct publication date. They are not a substitute for the current PDS, policy certificate or applicable conditions.
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| Cover area | Limit or condition reported by CHOICE |
|---|---|
| Legal liability | Up to $20 million for covered people named on the policy and their family members living with them, for incidents in Australia. |
| Jewellery, artworks and collections | Up to $1,000 per item and $2,500 per collection. |
| Contents in the open air | Up to $4,000 overall and $1,000 per item. |
| Visitors’ contents | Up to $2,500 overall. |
| Keys and locks after a break-in | Up to $750 overall. |
| Spoiled food | Up to $500 overall for failure of the public electricity supply. |
| Moving to a new home | Up to 14 days of overlapping contents cover at the new home. |
| Contents while moving | Up to 20% of the contents sum insured for fire, collision and overturning of the removal vehicle. |
Theft and shared areas
CHOICE lists theft and attempted theft cover, but says theft from common property is excluded, as is theft by residents or by people at the site with a resident’s consent. An apartment building’s shared spaces are therefore an important boundary to check: do not assume a contents policy covers belongings stolen from a common area.
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Valuables and optional listed cover
The reported item and collection limits can leave a gap if an individual valuable or collection is worth more. CHOICE says optional specially listed valuables cover applies to insured events, not accidental loss or damage. Its summary reports a $100 excess and says there is no cover when the cause of disappearance cannot be established. Check the current PDS for the exact item eligibility, evidence requirements and terms before relying on listed cover.
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Fire, flood and storm conditions
CHOICE’s summary lists fire and bushfire, flood, and storm or rainwater cover, each with a 72-hour waiting period for the listed bushfire, flood and storm/rainwater events. It also notes restrictions and event-specific terms. The summary does not provide enough detail to determine how a particular loss or circumstance would be treated, so read the current PDS definitions, exclusions and waiting-period rules.
How to decide whether it suits your apartment
- Get the scheme’s insurance documents. Identify what the owners corporation insures, especially building fixtures and any property in shared areas. Ask the strata manager to clarify any boundary you cannot resolve from the documents.
- List what you own. Estimate the replacement cost of your household contents and identify valuable individual items and collections. Use that inventory to choose a sum insured and to spot categories that may be subject to sublimits.
- Read the current Huddle PDS and certificate terms. Check definitions for contents and permanent fixtures, insured events, exclusions, limits, excesses, listed-item conditions and claim settlement terms.
- Get a quote for your address. The review summary cannot establish your premium or whether current sales are available for your circumstances. Compare quotes using the same sum insured, item assumptions and payment frequency.
- Compare policies on the same questions. Check strata-owner eligibility in your state, fixture boundaries, event cover, theft restrictions, item limits, excesses, premium and settlement terms. CHOICE says consumers should read the relevant PDS before making a decision.
What the review can—and cannot—tell you
CHOICE’s page displays its overall Expert Rating in member-access content; the accessible record does not provide a public score or an address-specific premium. It is not possible to infer a rating or value-for-money verdict from the available review information. The listed limits are useful prompts for checking policy wording, but only current policy documents and a quote can show how the product applies to your household.
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