I don’t understand why you would have public liability insurance for an apartment and not in your houses? If a tenant can trip an apartment they can also trip in a house. Also 20million public liability is a little over the top. My friend was recently hit by a car and it was the drivers fault. He broke his leg and can never run again and got $12k…[Read more]

It’s frustrating ringing insurance companies to find out what is and isn’t covered in a strata apartment because i feel the person on the other end doesn’t really know when you start asking more complex questions. Such as if other apartments fixtures and fittings are covered in the event of a fire by your tenant.

I was of the understanding that if you own an investment property in a strata complex then you are covered by public liability??