Your personal valuables
Includes damage or theft to your laptop, TV, designer clothes, jewellery and more.
Here are some of the main things in your apartment that contents insurance can help protect.
Includes damage or theft to your laptop, TV, designer clothes, jewellery and more.
Covers additions to your apartment like bathroom vanities, stovetops and air conditioners.
Cover for mishaps like spilled wine, a smashed TV screen or a burst water pipe.
Legally, you're not required to have insurance for your apartment. However, it's a good idea to take out a policy if you have any expensive items that you'd like to protect.
Lots of renters could benefit from contents insurance. If your home is burgled or a water pipe bursts and ruins your things, contents insurance can help you foot the bill.
Your apartment building is likely covered by strata, but you may want to add fixtures and fittings cover, as well as contents insurance. That way, you'll be covered for things like a damaged air-conditioner, as well as your belongings.
If you're renting your apartment out, you should look at landlord insurance.
"I recently had a bicycle stolen from the lock-up garage in my building's basement. The thieves were able to get into the basement, and then they literally bent back the door of my garage, so they didn't even need to break the lock! I would have had the bicycle covered if I had a apartment contents insurance policy, but I didn't. I figured that I lived on the 5th floor, so I would never need to worry about theft. I was incorrect!"
Contents insurance is important for anyone who has items in their home which would be expensive to replace. It doesn't matter whether you live in a studio apartment or a three-story townhouse, contents insurance is worth considering. It can protect everything from your TV and audio equipment, to expensive jewellery and designer clothing.
There are many ways to reduce the cost of home insurance, like increasing your excess and taking advantage of discounts. If you live in an apartment, there are a few extra things to consider when trying to save.
Insurance will only help cover you for accidents and the unexpected. It won't help if the damage is caused by your own neglect. Here are some tips to help prevent damage and loss to your apartment.
Regular maintenance of the apartment will help you identify areas of wear and tear before they cause problems.
Increasing security with security doors and surveillance cameras can help deter thefts.
Hiring professional handymen to help with more technical jobs can save you time and stress.
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