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Huddle Black is contents insurance for owners of strata-titled homes, not a substitute for building or body-corporate cover. CHOICE’s review lists accidental-damage cover and a range of insured events, but also records important exclusions, waiting periods and sublimits. It does not publish Huddle’s price data or public review scores, so whether the policy suits you depends on your current quote, your strata arrangements and the full policy wording.
What Huddle Black is—and who it is for
Huddle Black is a sum-insured contents policy: you nominate an amount for the contents you want insured. Huddle describes its contents insurance as intended for homeowners, owners of strata-titled residential properties and renters who want cover for their belongings. Its availability is listed in the ACT, New South Wales, Queensland, South Australia, Tasmania, Victoria and Western Australia. CHOICE’s Huddle review identifies The Hollard Insurance Company Pty Ltd as the provider.
Contents cover is different from cover for the building. Huddle’s official contents insurance information distinguishes the two. Before choosing a contents-only policy, check your strata arrangements and the current policy definition of contents: do not assume that fixtures, structural elements or building damage are insured by Huddle Black.
What the review says the policy covers
CHOICE’s review summary lists cover for accidental damage and insured events including theft and attempted theft, fire and bushfire, flood, storm and rainwater, vandalism, riot or civil commotion, impact, escape of liquid, breakage, earthquake, tsunami and explosion. These event labels do not mean every loss is covered: definitions, exclusions, excesses, waiting periods and sublimits apply. The current Product Disclosure Statement (PDS), Certificate of Insurance and your circumstances determine the actual cover.
#1 Best Overall
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- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
Accidental damage
CHOICE lists accidental damage as included in Huddle Black. Huddle says accidental damage applies to its Comprehensive and Huddle Black options, subject to exclusions. Damage from ordinary use—such as scratching, chipping or denting—is an example of damage the policy does not cover. Check Huddle’s current contents cover information and the PDS for the exact definitions and exclusions.
Theft and common property
The review says theft is excluded when committed by a resident or by someone at the site with the consent of an insured person or resident. It also lists no cover for theft from common property or similar common or public areas. For strata owners, that distinction matters: belongings stolen from a shared area may be treated differently from belongings stolen from inside the insured home.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Flood, bushfire, storm and rainwater
CHOICE reports a 72-hour waiting period for flood, bushfire, storm and rainwater. Its summary says the flood excess is the greater of $500 or the basic excess. Storm surge is excluded. For storm and rainwater damage, the summary also lists gradual deterioration and water that seeps or percolates into the building as exclusions.
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Escape-of-liquid cover is described as applying to sudden, unexpected and accidental escape from listed sources. The review lists gradual seepage, wear and tear, inadequate drainage, faulty shower recesses and lack of routine maintenance among the exclusions. A leak’s cause and how it developed can therefore matter as much as the damage it caused.
Rank #3
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- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Limits and sublimits highlighted by CHOICE
The figures below are limits reported in CHOICE’s review, accessed in 2026; they are policy limits, not independent market statistics. Check the current PDS and Certificate of Insurance for applicable conditions and wording.
| Cover item | Limit reported by CHOICE |
|---|---|
| Legal liability | Up to $30 million for named insureds and resident family members, for incidents in Australia |
| Funds loss after a card is stolen from home and fraudulently used | Up to $5,000 |
| Contents in the open air | Up to $8,000 overall and $2,000 per item |
| Temporary accommodation | Up to 20% of the contents sum insured |
| Exploratory costs to locate an unknown leaking pipe | Up to $500 overall |
| Motor burnout | Up to $2,000 for motors up to 10 years old |
CHOICE also reports that new-for-old replacement excludes clothing, computers over four years old, household linen, items out of use and shoes. The terms and settlement options in the current policy documents are the authority for a claim.
Rank #4
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- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
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What is not established publicly about price or value
CHOICE says its expert rating, cover score and price score are available only to members, lists customer satisfaction as N/A and says the insurer does not share its price data. The public review therefore does not establish a premium, a comparative value ranking or a recommendation. An individual quote is necessary to assess cost for your address and chosen sum insured.
Huddle says customers can buy, manage and claim online, submit claims online 24/7 and access 24/7 emergency-claim support. These are Huddle’s own service descriptions, not independently tested service results.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
How to decide whether it fits your strata home
- Confirm what the strata arrangement covers. Identify whether the building, fixtures and shared areas are insured through the strata arrangement, then check how Huddle defines contents in its PDS.
- Set a realistic contents sum insured. Estimate the replacement cost of the belongings you want covered and confirm how valuables and individual items are treated.
- Check the events and exclusions against your risks. Read the policy wording for accidental damage, theft, flood, storm and rainwater, and escape of liquid. Pay particular attention to common-property theft, storm surge, gradual water damage and maintenance-related exclusions.
- Compare excesses and sublimits. Review the basic and event-specific excesses, waiting periods, open-air limits, temporary accommodation, exploratory costs and any item-specific limits.
- Get current quotes on a like-for-like basis. Use the same address and contents estimate when comparing policies. Compare contents-only cover with alternatives that fit your circumstances, and consider liability, claims settlement options, service channels, premium and payment terms.
- Read the current documents before relying on a feature. Huddle directs customers to its PDS, Target Market Determination and Certificate of Insurance. Confirm eligibility, definitions, sums insured, excesses, waiting periods, limits and exclusions there, because review summaries do not replace the contract.
Huddle’s official FAQ says its contents insurance is designed for “homeowners, owners of strata-titled residential properties or renters, who want insurance for their contents.” That describes the intended audience; it is not a determination that every strata owner is eligible or that the product suits every building arrangement.
Quick Recap
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.
