Contents covered include any of the items listed below which are owned by you (or which you are legally responsible for), which are listed in the most recent inventory/property condition report and which have been left at the property.

• Portable household goods and electrical appliances,
• Household furniture, furnishings and light fittings (not hardwired to the building),
• Curtains or internal blinds,
• Manchester and linen (excluded for holiday-let properties)
• Floating timber floorboards,
• Carpets and floor rugs,
• Above ground pools or spas (including their fixed accessories).

Strata Titled Buildings

For Strata titled buildings 'contents' also means: temporary wall, floor and ceiling covers, and any fixture or structural improvement servicing a particular lot which the body corporate or similar is not required by law to insure.

'Building' means the property owned by you, used primarily as a residential building, and includes:

• Domestic fixtures and fittings, i.e. built in air-conditioners and heaters, plumbed-in dishwashers, garbage disposal systems, cook tops, built-in cabinetry, doors, walls, windows (and glass), tap ware, hot water systems and shower screens,
• Structural domestic improvements such as paths, driveways, garden borders, your proportion of fencing, gates, retaining walls, in-ground swimming pools and spas (including attachments which fit into their filter systems),
• Awnings, pergolas, fixed rainwater tanks, solar panels and their fixed accessories (e.g. inverters), TV antennae, satellite dishes and letter boxes,
• Fixed floor coverings such as linoleum, floor tiles and parquetry, (but not carpets),
• Fixed light fittings which are hardwired to the building,
• Tennis courts, and
• Underground services such as plumbing, sewerage, water and electrical which are located on your property.