What strata insurance covers, what each state requires, and what it costs, written from the insurers' own policy wordings and real quotes.
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.
Strata insurance in WA: strata, survey-strata and single tier schemesWhat a WA strata company must insure, and who insures the buildings in survey-strata and single tier schemes.
Strata and community title insurance in South AustraliaWhat strata and community corporations must insure in SA, the compulsory fidelity guarantee cover, and why unit holders cannot insure separately.
Strata insurance brokers: what they do and how they are paidWhat a broker does for an owners corporation, who they answer to, how commission works, and exactly how we are paid.
Townhouse and unit block insurance: who insures whatStrata or Torrens title, what the policy covers for townhouses and for apartment blocks, and what an insurer asks about each.
Commercial strata insurance: shops, offices and mixed-use buildingsHow insurers rate a building by its commercial floor space, what a restaurant in the building changes, and what a broker will ask.
Office bearers liability insurance for strata committeesWho it covers on a strata committee, what "claims made" means, the main exclusions, and whether a scheme has to hold it.