Combined Coverage

Your Contents covered include any of the items listed below which you own 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 for your tenant’s domestic use:

• Portable household goods and electrical appliances;
• Household furniture, furnishings and light fittings (not hardwired to the building);
• Curtains or internal blinds;
• Manchester;
• Gaming consoles and their associated games;
• Floating floorboards;
• Carpets and floor rugs;
• Ride-on lawn mowers;
• Painting or works of art valued at less than $1,000 for each item;
• Sporting or recreational equipment, but not whilst they are being used;
• Plants, hedges, trees or shrubs that are in pots or tubs; and
• Above ground pools or spas (including their fixed accessories).

Strata Titled Buildings

For Strata titled buildings your contents 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 to insure according to the applicable strata laws in your state or territory.

Your 'Building' means the property owned by you at the insured address, used principally and primarily by tenants as a place of residence, and includes the following at the insured address:

• Domestic fixtures and fittings, e.g. built in air-conditioners and heaters, plumbed-in dishwashers, garbage disposal systems, cooktops, built-in cabinetry, doors, walls, windows (and glass), shutters, tapware, 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);
• External awnings, shade sails, 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 or floating floorboards);
• Fixed light fittings which are hardwired to your building;
• Tennis courts, and
• Underground services such as plumbing, sewerage, water and electrical.