Building Insurance

Building insurance includes improvements and fixtures forming part of the building.

Building Insurance includes:

All buildings and underground services erected upon the building block forming the Strata Plan including fencing
Baths, hand basins, shower screens, toilets
Sinks, stoves, ducted air conditioners throughout entire building, built in cupboards
Doors, windows
Fixed tiling
Paintwork, wallpapering and public light fittings within common areas

Building Insurance does not include:

Building Insurance, other matters to consider:

To limit possible damage claims caused by storms and fire, the body corporate should ensure the building is well maintained (including balconies, balustrades and roofs, fire equipment and alarms)
Also limit personal injury claims by obtaining regular Safety Audit reports and promptly adhering to any recommendations
Termite damage is not covered, therefore the body corporate should be diligent and ensure regular inspections

Common Area Contents Insurance includes:

Carpets, pot plants, mirrors and decoration within common areas, hallways and lobbies
Assets owned by the body corporate and used by all owners:
- Washing machines, dryers and
- Cloths line, indoor and outdoor furniture,
- Barbecue equipment, swimming pool motors
- Gardening equipment: mowers, trimmers

Personal Insurance:

Insurance for the following items which are the responsibility of the unit owner, please contact your broker or individual insurer direct:

Personal contents including carpets, light fittings curtains, blinds, personal equipment, furniture and household appliances
Landlords Insurance
Public Liability Insurance within a lot.