Combined Coverage

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.