Australian Military Bank’s Home Contents Plus is a contents policy tier, not building insurance. Its published comparison table includes accidental damage at home, electrical motor burnout and a benefit labelled “Owner fixtures – Strata scheme.” That may make it relevant to unit owners, but it does not establish which fixtures your policy covers or replace your owners corporation’s building cover. Check the policy wording, your certificate and your scheme’s insurance records before deciding whether there is a gap.
What Home Contents Plus is—and what it is not
Australian Military Bank lists four home insurance levels: Building Plus, Building Standard, Contents Plus and Contents Standard. Contents Plus is the contents-only tier. The bank’s product page shows cover for events including theft or attempted theft, fire, flood or rainwater run-off, storm, storm surge or tsunami, and escape of water or liquid across its listed levels, subject to policy terms. Those event labels are not a substitute for checking definitions, exclusions and limits in the contract. Australian Military Bank’s Home Insurance page
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For a strata owner, the key distinction is between belongings and the building or fixtures insured under the owners corporation’s policy. The bank lists “Owner fixtures – Strata scheme” for both Contents Plus and Contents Standard, but its summary does not define the fixtures covered or explain the boundary with common property. Do not assume the label settles who is responsible for a particular item.
What Contents Plus adds over Contents Standard
The bank’s comparison table marks accidental damage at home and electrical motor burnout as included with Contents Plus. It lists both as optional benefits under Contents Standard. This is the clearest published distinction between the contents tiers. See the bank’s comparison table
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Both contents tiers also show a benefit for contents away from home, while Portable Contents is an optional benefit. The bank describes portable items as things such as glasses, jewellery, laptops and mobile phones. The summary does not establish the precise scope, conditions or limits, so check the PDS and certificate to understand how these benefits interact.
Limits and conditions that matter to unit owners
Valuable items
Australian Military Bank states that works of art, collections, jewellery and watches have a combined total limit of $2,500 as part of general contents. If you need a higher amount, the bank lists Valuable Contents as an optional benefit. The product summary does not give per-item limits or the option’s detailed terms; confirm them in the policy documents.
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Temporary accommodation
The bank says Contents Plus provides up to two years of temporary accommodation if you cannot live at home after a covered event, compared with 12 months for Contents Standard. Conditions apply, so verify the applicable limit and circumstances in the current wording and your certificate.
Contents in storage
General contents held in storage may be covered if CGU is told before the move and accepts the arrangement under its criteria. The bank says Valuable Contents are not covered while in storage. Confirm acceptance and any conditions before moving belongings.
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How to assess the strata fixture question
- Identify the item. Record the fixture or fitting you are concerned about and where it is located.
- Check scheme records. Review the owners corporation’s insurance schedule and strata records for how the item is treated and insured.
- Compare the policy wording. Look for the operative definition of owner fixtures, relevant exclusions and limits. The bank’s online summary does not supply that definition.
- Ask for clarification in writing. If the documents leave responsibility unclear, ask the insurer and your strata manager or owners corporation to explain how the item is treated. Do not rely on the summary label alone.
What to verify before taking out cover
The bank directs customers to its PDS for full terms, conditions, limits and exclusions. Its disclosure-document index lists the Home and Contents Insurance PDS, but the PDF surfaced in search as revision 0, February 2025, returned an error when accessed. The document’s current availability and wording therefore could not be confirmed here. Check the live disclosure index and obtain the current PDS and your certificate before purchase. Disclosure Documents · Home Insurance PDS link
- Definitions of insured events, owner fixtures and common property
- Exclusions, limits and excesses for the cover and claim types you need
- How contents claims are settled and the sum insured you should select
- Conditions and limits for portable items, valuables and temporary accommodation
- Any eligibility or underwriting requirements
The bank says it acts under its own AFSL and under an agreement with Insurance Australia Limited, AFSL 227681, which issues the insurance under the CGU brand. Australian Military Bank’s insurance disclosure
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Is Contents Plus a good fit?
Contents Plus is worth investigating if you want contents cover and prefer accidental damage at home and electrical motor burnout to be included rather than optional. Its listed strata-fixture benefit may also be relevant, but the published summary alone cannot show whether a particular fixture is covered or how that cover interacts with the owners corporation’s policy.
The accessible product information does not establish premiums, excesses or a like-for-like value comparison. To compare policies, use the same address, contents sum insured, excess and optional benefits, then compare the fixture definition, event cover, valuable-item limits, away-from-home cover, temporary accommodation and storage conditions. Do not choose based on the “Plus” label or a premium alone.
Quick Recap
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