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Over Fifty Contents (strata owners) is a nominated-sum contents policy arranged by Over Fifty Insurance Pty Ltd as agent for Allianz Australia Insurance Limited. It lists cover for events including fire, theft, storm and some water damage, but exclusions, waiting periods and item limits shape what a claim may pay. CHOICE says it scored the cover only because price data was not shared, so the available evidence does not establish whether this policy is good value.
What is Over Fifty Contents insurance for strata owners?
CHOICE identifies the provider as Allianz Australia Insurance Limited and describes Over Fifty as an Allianz white-label policy. The official Over Fifty page says Over Fifty Insurance Pty Ltd arranges the policy as Allianz’s agent. CHOICE reports identical cover to eight other policies in its comparison, but not identical prices; that does not show that Over Fifty is cheaper or more expensive. CHOICE says it assessed cover only because it did not have price data, and its page displays no expert rating. CHOICE’s review and its home and contents comparison overview provide its assessment context.
The official product page warns that terms, conditions, limits and exclusions apply, and directs customers to the Home Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Contents Key Fact Sheet. Over Fifty Insurance states: “We do not provide any advice based on any consideration of your objectives, financial situation or needs.” Read the policy documents and your quote rather than treating the product page as personal advice. Over Fifty’s contents insurance page
What does the policy list as covered?
CHOICE’s review lists a nominated sum insured for contents and legal liability up to $20 million. It names insured events including fire and bushfire, smoke, theft and burglary, flood and run-off, storm and cyclone, earthquake, tsunami, explosion, vandalism, riot and civil commotion, impact, and escape of water or other liquids. An event appearing on that list does not mean every loss associated with it is covered: definitions, exclusions, conditions and limits in the current PDS determine the claim outcome.
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CHOICE also lists certain fixtures, fittings and structural improvements that may be covered when they are not insurable by the body corporate. Examples include fixed floor or wall coverings, built-in furniture, air conditioners, ovens, dishwashers, hot-water systems and fixed light fittings. Whether a particular item falls within this cover depends on the policy wording and the insurance arranged for your building.
Does strata insurance cover my contents?
Building strata insurance and a lot owner’s contents insurance serve different purposes, but the boundary can depend on the building’s arrangements and the policy wording. Do not assume the body corporate’s policy covers your personal belongings, or that every fixture inside your lot is automatically covered by a contents policy. Check your strata documents and ask the strata manager or insurer what the building policy insures; then compare that with the current Over Fifty PDS, especially for fixtures and improvements you may be responsible for.
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CHOICE lists up to $2,000 for contents kept in a locked basement storage cage and up to $2,000 overall for contents intended to be kept outside. It also notes that contents in common areas are excluded. Those limits and the common-area exclusion make it important to check where belongings are stored and whether they qualify under the policy’s definitions.
Which exclusions, waiting periods and limits deserve attention?
CHOICE’s review identifies exclusions or restrictions involving storm surge and action of the sea; some damage from gradual escape of liquid, known defects, poor maintenance or wear and tear; theft by residents or people invited into the home; and contents in common areas. It also records 72-hour waiting periods for specified natural hazards. Check the PDS for the exact events, circumstances and start time that apply; a broad event label alone is not enough to establish cover.
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CHOICE lists the following additional limits. They are policy terms reported on its review page, not market-wide figures, and should be verified against the current PDS and your policy schedule:
| Cover area | Limit listed by CHOICE |
|---|---|
| Temporary accommodation | Up to 12 months or 10% of the contents sum insured |
| Pet boarding | Up to $500 |
| Emergency storage | Up to 12 months |
| Debris removal | Up to 10% of the sum insured |
| Visitors’ contents | Up to $5,000 overall |
| Jewellery, artworks and collections | Up to $7,500 overall and $2,500 per item, set or collection |
These caps can matter even where the cause of loss is otherwise insured. Check whether a limit is per item, event, claim or policy period, and whether an excess or additional condition applies; the current documents and schedule are the authority for your cover.
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What optional cover can change?
The official product page describes optional accidental damage, portable contents and motor burnout cover. CHOICE also identifies optional accidental damage and portable contents, with selected portable-cover limits and a $100 excess in its review. Confirm which options are selected in your quote and policy schedule, what they cost, and whether any listed excess or limit applies to the particular claim.
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How should a strata owner choose a sum insured?
Estimate the cost of replacing your contents, rather than their second-hand value, and include any fixtures or improvements you are responsible for only after checking how the strata policy and contents PDS treat them. Over Fifty’s official page offers a contents calculator as a guide. It says payment is limited to the loss or the sum insured, whichever is less, subject to policy terms; a calculator estimate does not guarantee that amount will be paid.
Review the excess alongside the nominated sum insured. A lower premium, if offered in a quote, is not a useful comparison on its own if the excess, selected options, sublimits or exclusions differ.
What should you compare before deciding?
- Get current prices. Compare a personal quote with alternatives using the same address, contents value, excess and optional covers. CHOICE’s review does not supply a price assessment for this policy.
- Check included and optional cover. Establish whether accidental damage, portable contents and motor burnout are selected, and note their limits, excesses and additional price.
- Read event definitions and exclusions. Focus on water damage, storm and flood conditions, natural-hazard waiting periods, theft circumstances and maintenance-related exclusions.
- Compare sublimits. Check limits for valuables and collections, storage cages, outdoor contents, temporary accommodation and other cover relevant to your household.
- Clarify the strata boundary. Compare the body corporate’s insurance with the PDS for your belongings, fixtures and improvements, including anything in common areas.
- Verify the final schedule. Make sure the sum insured, excesses, specified items and chosen options match what you intended to buy.
CHOICE’s statement that eight other compared policies have identical cover but different prices is not a basis for assuming those policies share the same current terms or that Over Fifty is the least expensive. Use current policy documents and quotes for the decision.
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