Huddle Black is a contents-only, sum-insured policy for eligible Australian strata owners. It includes accidental-damage cover according to CHOICE’s review, but it does not replace building or owners-corporation insurance, and its public review does not reveal a price or member-only scores. Whether it suits you depends on what your strata arrangements cover, the policy’s exclusions and limits, and the price in your own quote.
What Huddle Black covers—and what it does not
Huddle identifies its contents insurance as intended for homeowners, owners of strata-titled residential properties and renters who want cover for their belongings. CHOICE identifies The Hollard Insurance Company Pty Ltd as the provider and lists availability in the ACT, NSW, Queensland, South Australia, Tasmania, Victoria and Western Australia. Check your eligibility and current availability when requesting a quote.
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This is contents insurance, not building insurance. Huddle distinguishes the two; strata building insurance or owners-corporation arrangements may cover some building elements, but you should check what applies to your unit before assuming fixtures or other items are insured. The policy uses a sum insured that you nominate for contents. Huddle’s overview and policy documents are available on its contents insurance page.
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1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsCHOICE’s review lists cover for accidental damage, theft and attempted theft, fire and bushfire, flood, storm and rainwater, vandalism, riot or civil commotion, impact, sudden escape of liquid, breakage and other insured events. These are summaries of insured events, not a promise that every loss in those categories is covered: definitions, exclusions, excesses, waiting periods and sublimits apply.
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
Important limits and exclusions for strata residents
Accidental damage
CHOICE lists accidental damage as included in Huddle Black. Huddle says accidental damage also applies to its Comprehensive option, subject to exclusions. Damage from normal use—such as scratching, chipping or denting—is excluded. Read the policy definition to distinguish a covered accident from gradual wear or ordinary use.
Theft and shared spaces
CHOICE says theft is not covered when committed by an insured person, a resident, or someone at the site with an insured person’s or resident’s consent. It also lists theft from common property or similar common or public areas as excluded. Do not assume contents left in a shared hallway, laundry or other communal space receive the same theft protection as items inside your unit.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Flood, bushfire, storm and rainwater
CHOICE reports 72-hour waiting periods for flood, bushfire, storm and rainwater. Its review says the flood excess is the greater of $500 or the policy’s basic excess. Storm surge is not covered. For storm and rainwater claims, the summary lists gradual deterioration and water that seeps or percolates into the building among the exclusions.
Escape of liquid
The listed cover is for sudden, unexpected and accidental escape of liquid from specified sources. CHOICE lists gradual seepage, wear and tear, inadequate drainage, faulty shower recesses and lack of routine maintenance as exclusions. A leak-related claim may therefore turn on how and when the water escaped, not merely on the fact that damage occurred.
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Other limits reported by CHOICE
CHOICE’s review, accessed in 2026, reports the following caps and conditions. Treat them as review summaries and confirm the current policy wording before relying on them.
| Benefit | Limit or condition reported |
|---|---|
| Contents in the open air | Up to $8,000 overall and $2,000 per item |
| Temporary accommodation | Up to 20% of the contents sum insured |
| Exploratory costs to locate an unknown leaking pipe | Up to $500 overall |
| Motor burnout | Up to $2,000 for motors up to 10 years old |
| Legal liability | Up to $30 million for named insureds and resident family members, for incidents in Australia |
| Funds loss after a card is stolen from home and fraudulently used | Up to $5,000 |
CHOICE also reports that new-for-old replacement excludes clothing, computers more than four years old, household linen, items out of use and shoes. The current PDS sets the operative definitions and conditions.
Rank #4
- Dual Converters, Infinite Potential：Includes 2× USB C male to USB A female adapters and 2× USB A male to USB C female adapters. Perfect for a wide range of uses—tablets with Bluetooth keyboards, expand USB ports on macbook, and more. Two different converters for all your daily needs
- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
How to judge whether it fits your situation
There is no public basis for calling Huddle Black the cheapest, best-value or highest-scoring option. CHOICE says its expert rating, cover score and price score are available only to members, customer satisfaction is listed as N/A, and Huddle does not share price data. Get a current personal quote and compare it with alternatives using the same address and a consistent contents estimate.
- Match the type of cover: Decide whether contents-only cover fits your circumstances and check what your strata arrangements cover for the building, fixtures and shared property.
- Set a realistic sum insured: Check how the policy defines contents and valuables, then estimate what it would cost to replace the belongings you want covered.
- Compare the wording that matters: Look closely at accidental damage, theft, flood, storm and rainwater, and escape-of-liquid definitions, exclusions and waiting periods.
- Check excesses and sublimits: Compare the basic and event-specific excesses, plus caps for open-air belongings, valuables, temporary accommodation and exploratory costs.
- Review liability and claims terms: Check who is insured, where liability cover applies, how claims are settled, and which online or phone claim channels are available.
- Compare actual quotes: Use the same property details and contents estimate, and check premium and payment terms rather than relying on a general price claim.
Documents and service claims to check before buying
Huddle directs customers to its Product Disclosure Statement (PDS), Target Market Determination and Certificate of Insurance. Read the current PDS for definitions, limits, exclusions, waiting periods and excesses; confirm your specific insured amount and terms on the certificate. The policy benefits are subject to those documents, so a summary of cover is not a substitute.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- 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.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
Huddle says customers can buy, manage and claim online, submit claims online 24/7, and access 24/7 emergency-claim support. These are the insurer’s descriptions of its service channels, not independently verified measures of service quality.
Quick Recap
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