Strata insurance isn’t always enough. If you own a rental property—especially within a strata-managed complex—it’s crucial to understand where coverage ends and your responsibility begins. Building insurance, landlord insurance, and contents insurance each play a role in protecting your investment. Review your strata policy carefully, clarify what’s considered part of the building, and make sure your contents and liabilities are covered. Gaps in coverage can be costly—but they’re avoidable. Smar
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