Explore Home & Contents Insurance

CHU contents insurance at a glance

  • Award-winning insurance company
  • 24/7 claims and emergency hotline
  • Underwritten by QBE Insurance

About CHU

CHU has been operating in Australia since 1978 when they issued the first strata plan insurance policy in the country. Since then, CHU has grown to become one of Australia’s largest and most-awarded underwriting agencies and protects almost one million apartments, units and townhouses around Australia.

CHU specialises in providing contents insurance for renters and property owners living in strata properties. They also provide strata insurance for the body corporate organisations responsible for managing strata properties.

CHU is part of the Steadfast Group, a top 200 ASX-listed company and one of the largest groups of underwriting agencies in Australasia. In addition, CHU has won multiple awards, including the Australian Insurance Business Awards’ Underwriting Agency of the Year in 2017, 2018 and 2021 and the Broker’s Pick award 2016 to 2021.

What CHU contents insurance cover?

For those just needing to protect their contents (e.g. apartment owners, tenants), CHU provides both a basic policy and higher level of cover to choose from. The benefits of both policies are displayed in the table below.

What’s covered?*Basic CoverPremier Cover
Malicious damage
Water damage
Fire damage
Storm damage
Flood damage
Legal liability
Essential temporary repairs
Motor burnout
Landscaping repairs
External door lock replacement
Emergency accommodation costs
Accidental damage
Contents anywhere in Australia or New Zealand
*Exclusions and limitations apply. Information is accurate as of January 2023 and subject to change. For full coverage details, payout limits, sub-limits, exclusions, terms and conditions, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD).

Why choose CHU?

CHU is an experienced insurance provider with a focus on landlords, contents and strata insurance. There are a few other reasons why Australians choose to get insurance with CHU:

  • Flood cover, motor burnout and portable contents cover are covered as standard rather than charged extra
  • 24/7 claims processing and emergency support available through their hotline
  • Underwritten by QBE
  • Option to reduce insurance premiums with a higher excess

Frequently asked questions

How do I pay for home and contents insurance with CHU?

CHU has multiple payment methods for their landlord and contents insurance customers. You can pay by:

  • Credit card
  • BPAY
  • Bank account transfer
  • Cheque
  • Post office.

You can choose to pay your premium for the full year upfront or you can choose to pay monthly. There may be a small administration fee applied if you select the monthly payment schedule.

What type of contents are covered by CHU?

CHU contents insurance can cover a wide variety of items. Some items attract unlimited cover, while many others have cover limits. These include:

  • Jewellery and watches
  • Entertainment devices
  • Portable entertainment devices
  • Electronic devices, CDs, DVDs, games and media files
  • Musical instruments
  • Tools of trade
  • Art, rugs and antiques
  • Photography gear
  • Gold and silver items
  • Documents
  • Bicycles

Does CHU contents insurance cover flood damage?

CHU includes flood cover for contents insurance customers as standard, meaning there’s no need to purchase additional coverage for this item. The flood risk to your property’s location will be accounted for in the price you pay for your overall policy. For more detail on flood cover limits, please review the PDS.

How do I make a landlord or contents insurance claim with CHU?

To make a contents insurance claim with CHU, you can call their hotline any time or go online to their website and lodge a claim there. You will need to provide details like your policy number and any related documents or evidence to support your claim.

Do I have to pay an excess when making an insurance claim with CHU?

You will have to pay an excess when you make an insurance claim, once CHU has approved it. After the excess is paid, CHU will then decide to replace or repair your contents based on the circumstances of your claim and the coverage in your policy or provide a payout.

How do I cancel my CHU contents insurance policy?

You can cancel your policy by contacting CHU’s hotline. If you cancel during the 21-day cooling-off period following your initial purchase or renewal of your policy, you’ll receive a full refund. If you cancelled after the cooling-off period but paid for cover annually, you’ll receive a refund for the period of cover you haven’t yet used.

What isn’t covered by CHU landlord and contents insurance?

CHU contents insurance has the following exclusions, among others:

  • Fraud and intentional damage caused by the policyholder
  • Illegal activity
  • General wear and tear
  • Construction and renovation exceeding specified values
  • Asbestos
  • Damage caused by mould, mildew, insects and vermin
  • Explosives and combustible materials stored at the property
  • Lawful seizure of the property
  • Invasion, war and rebellion
  • Nuclear weapons and nuclear material
  • Bicycles, sports equipment and remote-control vehicles damaged while in use
  • Leaving an unfurnished home unoccupied for more than 30 days or a furnished one for more than 60 days

What type of properties does CHU insure?

CHU provides contents cover for various types of strata properties, including multi-level buildings. Strata properties often have various types of ownership, such as common areas collectively owned by the residents, the homes owned by landlords or individual homeowners, and the building and property itself managed by a body corporate.

Examples of strata properties landlords might insure with CHU include:

  • Villas
  • Townhouses
  • Apartment blocks
  • Unit complexes

Comparing contents insurance has never been so simples

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See a policy you like? You can apply for cover straight from your comparison results, saving you time and money hunting for a good deal.

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