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A strata building policy does not automatically cover your belongings. As an Australian strata owner-occupier, check the owners corporation’s current building-policy documents and compare them with the contents policy’s Product Disclosure Statement (PDS), schedule and endorsements. Pay particular attention to owner-installed fixtures, personal property, legal liability and damage linked to common property.
One important clarification: the available product information describes NRMA Home Contents Standard, not a product identifiable as “ANZ Home Contents Standard.” The NRMA details below are an insurer-specific example, not a finding about an ANZ policy or a guarantee that any particular item is covered.
What a strata building policy does—and does not—tell you
In many strata arrangements, the owners corporation arranges building insurance for the scheme. Moneysmart says a strata owner may not need to buy a separate building policy, but advises checking with the body corporate. That does not settle whether your household belongings or legal liability are insured: Moneysmart says strata owners still need to consider individual contents cover and liability cover.
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Contents insurance is intended for household items and personal belongings that are damaged, lost or stolen. Examples include furniture, clothing, computers, fridges, televisions, tools and jewellery. The exact definition and covered events depend on the policy wording.
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Nor does a problem originating in common property necessarily make your possessions the owners corporation’s responsibility. NSW Government guidance says personal property—including furniture, electrical appliances, curtains and carpets—may remain outside owners-corporation cover even when a common-property issue caused the damage. The scheme’s policy and applicable state or territory rules matter.
Get the scheme documents before deciding what to insure
Ask the strata manager or owners corporation for the current building-policy PDS, policy schedule and any endorsements relevant to your lot. Check the policy period and the definitions of building, lot property, fixtures and common property. Do not assume that everything inside your lot is covered by one policy, or that a generic contents policy fills every gap.
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- Check whether the building policy includes owner-installed fixtures and fittings, and how it treats carpets, floating floors, curtains and appliances.
- Look for special lot boundaries, exclusions or endorsements that could affect your unit.
- For a leak or other event involving common property, ask how the scheme policy handles building damage and ask the contents insurer how it treats resulting damage to your possessions.
NSW Government guidance specifically states that the contents of an owner’s property are not the owners corporation’s or strata committee’s responsibility. This is useful context, not a substitute for checking the governing documents for your scheme or the rules in your state or territory.
How policy wording can treat fixtures differently
Owner-installed fixtures are a point where the two policies’ definitions need to be read together. Moneysmart advises checking what the policy means by “home” or “building” and reading the PDS. An item that seems like part of the unit may be treated differently by the scheme’s building policy and an individual contents policy.
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As an insurer-specific example, NRMA’s contents information describes an exception for permanent fixtures in homes under a strata scheme. That statement does not establish that every contents policy covers every fixture, or that a particular NRMA customer’s item is covered. Check the applicable wording, schedule and endorsements, and confirm uncertain items with both the strata manager and insurer.
What to compare in a contents policy
Compare the actual documents and the cover selected for your address and household. A product name or a general description of “standard” cover is not enough to establish which items and events are insured.
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- Contents definition: Check household belongings and owner-installed fixtures separately. Confirm treatment of carpets, floating floors, curtains and appliances against the scheme policy too.
- Insured events and exclusions: Review the policy wording for events such as escape of liquid, storm and theft, and for accidental damage if offered. Check the exclusions that apply to each event.
- Sum insured and item limits: Set the total contents amount using replacement values, then check per-item limits and any sub-limits for valuables.
- Items away from home: Check whether belongings are insured outside the home and whether portable contents cover is optional.
- Legal liability: Confirm the limit, conditions and exclusions rather than assuming it is included on terms suitable for your circumstances.
- Temporary accommodation and other benefits: Check when these apply, for how long and subject to what limits.
- Excess and premium: Compare the standard and any additional excesses alongside the premium for the cover you selected.
Calculate a realistic contents amount
Make an itemized inventory of the belongings you would need to replace, using realistic replacement costs rather than what you originally paid. Include less obvious items such as clothing, tools and appliances, then compare the total with the insurer’s limits and any item sub-limits. Moneysmart points readers to a contents calculator through the Insurance Council of Australia.
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Do not treat a calculator total as confirmation of cover: the policy’s definitions, limits, exclusions and selected options still apply.
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What the NRMA example establishes
NRMA publishes Home Contents Standard as one of its policy options and describes optional portable contents and valuable contents cover, subject to terms and limits. Its policy-document index lists a Home Insurance PDS and a November 2025 supplementary PDS for policies that started from 16 November 2025 or renewed from 31 December 2025. It also lists separate residential strata policy documents.
Those dates and options are specific to NRMA’s documents and may not apply to another insurer or policy period. If considering this product, match the PDS to your policy’s start or renewal date and read the schedule and endorsements. The available information does not establish comparable quotes or show which policy is best value for a particular household.
Quick Recap
Before relying on a coverage assumption
- Obtain the scheme documents. Request the current building-policy PDS, schedule and relevant endorsements from the strata manager or owners corporation.
- List the disputed items or scenario. Be specific—for example, a floating floor, an owner-installed appliance or furniture damaged after a common-property leak.
- Check both sets of wording. Compare the scheme policy’s building and lot definitions with the contents policy’s contents, fixture, event and exclusion wording.
- Ask for confirmation. Put the question to the strata manager and the contents insurer, describing the item and circumstances. Keep their response with the policy documents.
- Recheck at renewal or after changes. Review the applicable documents if the scheme policy, your contents policy or your lot’s fixtures change.
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.
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