Defence Bank’s Contents Plus is a contents policy for eligible residents, including people who own and live in a strata or similar home. Defence Bank says the cover includes reasonable temporary accommodation after a covered incident leaves the home unliveable, with up to two years available under Contents Plus. Insurance Australia Limited issues the policy under the CGU brand; Defence Bank arranges it. The exact cover depends on the current policy wording and your Certificate of Insurance.
What does Defence Bank Contents Plus cover for a strata owner?
Defence Bank’s product page describes contents cover for events including theft and vandalism, fire, flood, storm and storm surge. These are subject to the policy’s definitions, exclusions, limits and claim conditions. For flood and storm cover, the page excludes actions of the sea, such as tides and waves. See Defence Bank’s Building and Contents Insurance page for its current summary.
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Contents Plus is the higher-benefit option compared with standard contents cover. Defence Bank advertises automatic accidental damage and motor burnout under Plus, as well as higher limits for some benefits. Its page states that food spoilage and prescription medicine benefits are up to $2,000 under Plus, compared with up to $500 under standard contents cover. These are published limits, not promises that a particular claim will be paid.
Portable contents and valuable contents are separate choices to check. Portable contents is optional and may cover loss, theft or accidental damage away from home. Defence Bank states a $10,000 per-item limit unless an item is separately listed for a higher amount; territorial and activity exclusions apply. Valuable contents cover can increase protection for certain items, such as art, jewellery and collectables. Check the current policy documents for item limits and listing requirements.
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Does strata contents insurance cover temporary accommodation?
Defence Bank says that if a home in a strata or similar scheme cannot be lived in after a covered incident, CGU covers reasonable temporary accommodation costs. It advertises up to two years for Contents Plus, compared with up to 12 months for standard contents cover. The amount payable and qualifying circumstances remain subject to the policy’s terms and limits.
Contents insurance does not replace the strata scheme’s building insurance. Check the owners corporation’s policy and records to understand what building cover applies, then assess what you need to insure as your own contents. The cover and responsibilities can depend on the specific scheme, so do not assume the strata policy protects your belongings.
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How much contents cover should you choose?
Choose a sum insured based on what it would cost to replace your contents, not simply what you paid for them or what a calculator suggests. Defence Bank provides a contents calculator, but says its result is only a guide and that you remain responsible for insuring contents for replacement value. It also says that setting a sum insured above actual repair or replacement costs does not mean a claim will pay more than those costs. See Defence Bank’s general insurance FAQs.
- Work through rooms and list furniture, appliances, clothing, electronics and other belongings.
- Estimate current replacement costs and note valuable items that may need to be separately listed or covered under a specific option.
- Check the policy’s limits for individual categories and items, not only the overall sum insured.
- Revisit the estimate when you acquire or dispose of significant belongings.
What will the premium and excess be?
There is no single reliable premium or excess for every strata owner. Defence Bank says premiums vary according to circumstances and needs. Your quote depends on the cover selected and personal details, and the applicable excess is shown in your Certificate of Insurance. Obtain a quote for your own situation and compare it with other policies using equivalent sums insured, options and excesses; do not rely on a price or excess quoted for a different customer or policy variant.
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What should you verify before choosing Contents Plus?
Defence Bank lists a Home Insurance Product Disclosure Statement (PDS) and a Home Insurance Premium, Excess and Discounts Guide, but the linked CGU documents were not accessible when checked on 7 October 2026. That means the marketing page alone is not enough to settle detailed questions about definitions, exclusions, sublimits or claims conditions. Ask for or access the current documents before buying, and rely on the version that applies to your quote.
Before deciding, check:
- The current PDS for covered events, exclusions, temporary accommodation conditions and item limits.
- Your Certificate of Insurance for the selected cover, sum insured, excess and applicable terms.
- The strata building policy records for the scope of building cover in your scheme.
- Whether optional portable or valuable contents cover fits your belongings and how items must be listed.
- That any competing quote uses comparable cover, limits and excesses.
Insurance Australia Limited is the insurer, operating under the CGU brand; Defence Bank arranges the policy under an agreement and discloses that it receives commission from CGU insurance sales. The Defence Bank disclosure index lists a Target Market Determination dated 27 April 2026. These details identify the product’s distribution and disclosure context, but do not change the need to check your policy documents.
Quick Recap
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