The insurance for the common areas is organised by APM who on an annual basis bid out the insurance for quotation and together with the Directors decide to whom the insurance will be placed with. The payment of the insurance is included in your management fee. Insurance cover will always an excess and this varies from complex to complex. The insurance for the contents of individual units, including personal belongings, and accidental damage is the responsibility of each owner and we strongly advise that owners and residents put this cover in place.