20/08/2026
π’ One of the biggest misconceptions in strata is that the building's insurance covers everything inside your apartment.
In reality, there are important differences between what's covered under the Owners Corporation's strata insurance and what remains your responsibility.
Generally, strata insurance covers items such as:
β Internal walls
β Built-in wardrobes
β Kitchen cupboards and benchtops
β Bathroom fixtures
β Fixed wall and floor tiles
However, lot owners are typically responsible for items including:
β’ Furniture
β’ Personal belongings
β’ Carpets
β’ Freestanding appliances
β’ Clothing and other personal effects
Every strata insurance policy is different, so it's important to review your building's policy and consider whether you also need Contents or Landlord Insurance.
Understanding what's covered today can help you avoid unexpected costs tomorrow.
π Have questions about your strata responsibilities? The Vital Strata team is here to help.