@JimmyT said:Strata insurance will generally NOT cover you for anything inside your property. Tenants should have their own home and contents insurance too.
Actually strata building insurance generally covers “Lot Owners’ fixtures and improvements”, eg CHU’s Residential Strata, policy 10. That includes kitchen fixtures, bathrooms fixtures etc.
It’s a compulsory part of strata building insurance in NSW, VIC, ACT and perhaps other states.
Landlords should have landlord insurance to cover what’s not covered by the strata building insurance as well as tenant protection (due to rent defaults etc).
Tenants should have contents insurance to cover their own possessions and legal liabilities (I don’t think they could get home insurance on a building they don’t own).