Duplexes to apartment blocks

Strata insurance, quoted online

From a duplex or three townhouses on one title to a block of fifty units. Answer a few questions about the property online and get a quote from a specialist strata insurer.

Get a quote How it works
  • Quote online, no proposal form to post
  • Priced by a specialist strata insurer
  • Small sites to apartment blocks
A six-storey apartment building with stacked balconies and planter boxes
A row of single-storey villa units on a shared driveway
Three townhouses on one block sharing a driveway
How it works

Address in.
Quotes out.

1

Find the property

Start with the address. Public records fill in what they can, so you check details rather than type them.

2

Answer online

Number of lots, what is shared, past claims and the sum insured. Save it and come back if you need a figure from the committee.

3

See your quote

The price and what it covers, with the PDS a tap away. Go ahead and a broker checks it before it is placed.

Every kind of strata

Three homes
or three hundred.

Strata is not only apartments. A duplex on one title, a row of villa units, three townhouses sharing a driveway, a shop with flats above: they all have common property, and they can all be quoted here.

Three townhouses sharing a driveway

Small sites

Two to ten homes on one title: a duplex, a row of villa units, townhouses on a shared driveway. Usually run by the owners themselves, so the questions are written for owners.

  • Duplexes
  • Villa units
  • Townhouses
A brick apartment block behind a jacaranda

Apartment blocks

Walk-ups to high-rise, with the lifts, pools and car parks that come with them. Strata managers can quote each building in their portfolio the same way.

  • Walk-ups
  • High-rise
  • Managed
A cafe on the ground floor with apartments above

Mixed-use and commercial

A café downstairs and flats upstairs, offices or warehouse units on one plan. Commercial lots are asked about in their own terms.

  • Retail
  • Commercial
  • Mixed-use
What's covered

One policy,
six layers.

Layer 1 of 6

The building itself

Walls, roof and everything fixed to them, plus fences, gates, outbuildings, lifts and in-ground pools. Demolition, debris removal and professional fees are usually paid from the same sum insured, so it needs to allow for them.

Layer 2 of 6

Common contents

The loose things everyone owns together: foyer furniture, common carpets, the laundry's washing machines, the mower in the shed. Anything fixed in place, like the pool fence or the shed itself, counts as building.

Layer 3 of 6

Public liability

Responds when the owners corporation is held legally responsible for someone being hurt, or their property damaged, on common property: a slip in the stairwell, a fall by the pool.

Layer 4 of 6

Office bearers

For committee members, who make decisions for the building in their spare time and can have a claim made against them personally. Commonly included in strata policies.

Layer 5 of 6

Machinery breakdown

Lifts, pumps, motorised gates and air handling. A breakdown is not damage in the usual sense, so it is often an optional extra, and some policies for small schemes only cover burnt-out electric motors.

Layer 6 of 6

Funds, volunteers and more

Cover if the scheme's funds are stolen, for volunteers hurt helping out, and for some audit and legal defence costs. Catastrophe cover for rebuild costs that spike after a disaster is often optional. Each insurer packages these differently.

General information only. What a policy covers, and its limits and exclusions, are set out in that insurer's PDS.

Try it

Describe it.
Watch it build.

Strata quotes usually start with a long proposal form. Ours starts with what you know off the top of your head. Have a play: this is the shape of the first screen.

What kind of building?
Anything shared? Pick any

Your building file

  • Building type
  • Lot count
  • Construction era
  • Shared facilities
A brick apartment block at golden hour behind a flowering jacaranda
The building
Stacked concrete balconies seen from below against a blue sky
Layer on layer
Common propertyEverything
you share.
A rooftop pool deck from above
The pool deck
A lift lobby with oak panelling and brass lift doors
The lobby
Residents reviewing building plans at a kitchen table
The committee
A summer storm rolling over townhouses and a low-rise apartment block
When it counts

Storm season
doesn't knock.

Hail, a burst riser, a lift that won't move. When something happens, the claim starts from the same building file, with a person on the other end of it.

Guides

Strata insurance,
explained.

What does strata insurance cover?The building, common property and liability, what is left out, and where water damage and contents sit, quoted from a real policy.Duplex strata insurance: does a two-lot scheme need it?When a two-lot scheme must hold one policy, when owners can insure separately in NSW, Queensland and Victoria, and what the policy covers.How much is strata insurance? Real quotes, line by lineThree real quotes from $2,423 to $5,223 a year, every charge itemised, what moves the price, and where the commission sits.Body corporate insurance in Queensland: what the law requiresWhat a Queensland body corporate must insure, who insures the building on each plan type, who pays the excess, and the cyclone pool.Owners corporation insurance in Victoria: what the Act requiresWhat a Victorian owners corporation must insure, when it covers the lots as well, valuations by tier, and when an owner pays the excess.Strata insurance in NSW: what the law requires in 2026What an NSW owners corporation must insure, the three-quote and commission rules for managing agents, and the emergency services levy.

All guides

Questions

Asked
often.

Who buys strata insurance?

The owners corporation (body corporate in some states) arranges it for the building and common property. In most states it is required by law, and the premium is paid from the levies every owner contributes.

We are only three or four homes. Is this for us?

Yes. A duplex, a few villa units or a handful of townhouses on one strata plan still have common property, such as a shared driveway, fences or roofs, and the rules in many states apply to small schemes too. They are quoted on the same online form. See strata insurance for a duplex for what each state says about two-lot schemes.

Does it cover my apartment's contents?

Generally no. Strata cover is for the building and what owners share. Some insurers offer limited cover for owners' contents as an optional extra, but your own furniture and belongings are usually a separate contents policy, and a landlord's are a landlord policy. Our guide to what strata insurance covers quotes a real policy on this.

How is the sum insured worked out?

Usually from a building valuation, which many states require every few years. It estimates the full cost to rebuild, including demolition, removal of debris and professional fees. That is a different figure from what the units would sell for, which includes the land. Our guide to how much strata insurance is shows what the sum insured does to a real quote.

Can a strata manager use this?

Yes. A manager can quote a building online for its committee, the same way a committee member or an owner can, and come back to a saved quote later. We explain what a strata insurance broker does and how we are paid.

Is this advice?

Anything here is general information only and does not take your circumstances into account. Read the PDS for any policy before deciding whether it suits the building.

Start here

Let's put
your building
on file.

Start a quote online now, or tell us a little about the building and we will be in touch. Renewal coming up soon? Say when, and we will start there.

Get a quote
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