Although there have been quite a few clarifications later in the thread, I will just try to clarify a little further:
Hullo.
My property is tenanted and the shower has sprung a leak (please see the whole other post for details)
Well. I have landlord insurance with AAMI, insuring my contents for 100k, thinking it would cover the fitout (toilet bowl, vanity, kitchen cupboards, blinds, floating floors....) in the event of a disaster.
Well. Such items are not considered 'contents' (with the possible exception of the floorboards) and not covered apparently. AAMI told me to ask the strata if their insurance would cover it.
First up, leaking showers are very complicated when it comes to insurance, and often will simply not be covered by any policy. It can involved how it leaks, why it leaked, how long you have known, what damage is done, and whether the correct membranes etc. were there in the first place. It's really a messy area.
In a strata property the rule of thumb is that whatever was on the original building unit plan is the Strata Building insurance policy's responsibility, not the individual owners. This would generally include the bathroom fittings such as toilet, basin and shower etc. It would also include the kitchen cupboards.
On the other hand, items like carpets, curtains, blinds, light fittings etc. are considered the landlord's "contents" and would fall under the landlord/contents policy.
Where this can vary may be if the property has been renovated and there is for example a new kitchen. Certainly in our case (RentCover) we would expect that this would then make the kitchen the landlord's responsibility and it would become part of their "contents".
AAMI told me to ask the strata if their insurance would cover it.
We consider a "landlord contents" policy as one which is there to cover items that are not coverd by the strata insurance. This doesn't make it open slather as there are still limitations, however if there was say damage to bathroom fittings or a kitchen that would ordinarily be considered covered by a strata policy, but they have a way of not paying it, there may very well be a way that we can cover it under your "landlord contents" policy. It can be a grey area but if the strata insurance deny it, we can see whether we can cover it.
In the event I need to put my tenants up at a hotel or reduce their rent for the period of the repairs, I am also not covered.
Any policy will only pay for the loss of rent for an event that is being paid under their policy, meaning that if they won't pay for the damage, they won't pay for the associated rent loss, essentially anyway. Unless of course it falls under another specific loss of rent clause such as default, denial of access etc.
TS doesn't cover toilet bowl, kitchen cupboards etc either.
I can't speak for Terri Scheer, but once again this is where it gets down to who is responsible, the Body Corporate or the owner, and the responsibility can change if there is say a new kitchen installed, therefore items that weren't on the original building unit plan.
I will also shop around for mortgagee protection insurance.
Thanks.
Sorry, it won't help. I presume you mean a Mortgagee Interest policy, this is designed to protect the mortgagee and simply would be relevant.