Horizon Bank Home Contents Standard is contents insurance for strata owners; it is not proof that your apartment’s strata building policy covers your belongings. CHOICE describes it as a sum-insured policy, with accidental damage available as an optional extra. Horizon Bank’s public summary lists other optional covers and selected benefits, but the policy documents, quote and Certificate of Insurance determine the terms that apply to you.
Do you need contents insurance if your apartment has strata insurance?
Possibly. Strata insurance and a lot owner’s contents policy serve different purposes, and the available product summaries do not establish what your owners corporation policy covers. Check that policy and compare it with your own belongings and any items you have installed in the apartment. Do not assume that strata insurance automatically covers your furniture, electronics or other personal possessions.
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Horizon Bank describes Home Contents Standard as a contents product for strata owners. The public summary does not settle how a particular item—especially an owner-installed fixture—is treated under either policy. Check the relevant policy wording and ask the insurer or strata manager if the boundary is unclear. CHOICE’s product entry identifies the product as a customer-selected sum-insured policy; Horizon directs customers to its policy documents for terms and exclusions.
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CHOICE describes the policy as covering key events including fire, theft, storm, impact and flood. Horizon Bank’s product page also lists theft and vandalism, flood, storm and storm surge, fire, temporary accommodation, emergency repairs, visitors’ belongings and legal liability. These are summaries, not a promise that every loss will be paid: limits, exclusions, excesses and conditions apply. The full terms are in the policy documents and the cover shown on your own Certificate of Insurance.
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Limits and specific benefits in Horizon Bank’s summary
- Legal liability: up to $20 million, as stated by Horizon Bank and CHOICE. The figure is a limit, not a guarantee of payment for any particular incident.
- Visitors’ belongings: Horizon Bank lists cover up to $2,500, subject to the policy terms.
- Portable contents: if this optional cover is selected, Horizon says loss, theft and accidental damage may be covered up to $10,000 per item unless the item is separately listed. Territorial restrictions and exclusions apply.
- Electric motors: Horizon says motors may be covered up to 15 years after manufacture, subject to warranty and business-use conditions. This detail should not be treated as a general rule for every item or claim.
See Horizon Bank’s Building & Contents product page and follow its links to the CGU Product Disclosure Statement (PDS) and Target Market Determination. Horizon identifies Insurance Australia Limited as the issuer under the CGU brand.
Is accidental damage included?
Not as standard, according to CHOICE’s comparison summary: it describes accidental damage as an optional extra. Horizon also lists accidental damage among its optional cover features. Check your quote and Certificate of Insurance to see whether you selected it, what it applies to, and which exclusions and excesses govern a claim. Portable contents is a separate option with its own stated terms; do not assume that choosing one option automatically adds the other.
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How to assess the sum insured and optional cover
CHOICE describes this as a sum-insured policy, so the amount you select matters. Estimate the cost of replacing the contents you want insured, then check the PDS and schedule for per-item limits, category sublimits and rules for separately listed valuables. The public summaries do not provide enough detail to determine whether a specific amount or item is adequate for your household.
Horizon lists valuable contents, motor burnout and portable contents as optional cover, alongside accidental damage. The options and their terms should be checked in your own quote and policy documents; the public product summary does not establish the price or precise scope of each selection.
Rank #3
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- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
What to check before choosing this policy
- Premium and excess: compare quotes for the same address, sum insured and optional covers. CHOICE says its cover score is based on cover because the insurer does not share price data; its accessible listing does not establish a current premium or complete public rating.
- Events and exclusions: read the PDS for the exact definitions of covered events, exclusions and claim conditions rather than relying only on a feature list.
- Valuables and portable items: check per-item and category limits, listing requirements and any territorial restrictions.
- Temporary accommodation and other benefits: verify when these benefits apply, for how long and up to what limit.
- Fixtures and improvements: confirm whether owner-installed items are treated as contents, fixtures or something else, and check how the strata policy addresses them.
- Unoccupied home: CHOICE’s product entry says the policyholder must notify the insurer if the home will be unoccupied for more than 60 days. Confirm the applicable requirement in the current PDS and your Certificate of Insurance.
- Claims settlement: check the policy’s settlement basis and any conditions that affect replacement or payment.
These are useful comparison points, but the available public information does not establish a matched quote or full policy wording. It is not enough to rank this policy against alternatives on price or overall value.
Quick Recap
Best Value
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- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
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