@Austman said:
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 was a very general, non-specific comment. In fact CHU’s own factsheet says strata insurance doesn’t cover anything “over the threshhold” (although their policy does cover fixtures and fittings). Sometimes it’s easier to speak in generalities so as to describe the concept rather than the detail and let the nit-picking begin when you are presented with actual policies.
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).
‘Home and contents’ is the name of the type of insurance policy – I was not implying that tenants could insure their home. Obviously.