Do I need my own contents insurance if I live in strata?
Yes. Strata insurance covers the building structure and common areas — not your personal belongings, internal fixtures you've installed, or your own legal liability inside your lot. A separate strata-specific contents policy is essential for owners and renters.
Look for a 'strata contents' or 'unit owners' policy. They're cheaper than house contents policies because the building is already insured. Make sure it covers your floor coverings, window furnishings, kitchen appliances and any improvements you've made — these usually fall outside the strata building policy.
By Reviewed by Last reviewed 2026-05-04
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