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Strata Insurance For Commercial & Residential Properties

When you own or manage property within a strata complex, protecting it is essential. Strata insurance covers residential and commercial strata buildings, ensuring peace of mind for property owners and body corporate managers alike.

We help you find the right cover at the best rates!

Strata Insurance
Strata Insurance
Strata Insurance
Strata Insurance
Strata Insurance
Strata Insurance

At Insurance Online, we make it easy to find affordable strata insurance quotes tailored to your needs. Whether you manage apartments, townhouses, or common property, we help you compare strata insurance policies from trusted Australian insurers.

What Does Strata Insurance Cover?

Building Protection: Covers the physical structure, including walls, roofs, and fixtures.
Common Property: Protects shared spaces like lobbies, gardens, and car parks.
Liability Insurance: Safeguards against financial risks if someone is injured on common property.
Accidental Damage: Covers unexpected incidents like fires, water damage, and vandalism.

Get a Strata Insurance Quote Today

Save time and money by comparing policies that suit your property. From residential strata insurance to body corporate coverage, our streamlined process ensures you find the best protection at the right price.

Why Choose Us?

Easy comparisons of multiple insurers
Tailored policies for all property types
Fast, obligation-free quotes

Protect your investment and ensure peace of mind with comprehensive strata insurance. Start today – request your free strata insurance quote online now!

Insurance Calculators

Need some help calculating your strata insurance sum insured and limits? Try our Strata Insurance Calculator to make the job quick and easy!

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Make Informed Decisions

Visit our extensive library of informative Strata Insurance Articles, the latest Insurance Online News, and listen to the latest episode of our News Podcast to stay in the loop with what's happening, why it matters to you, and some key takeaways you can use.

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Personal Advice

Strata Insurance Online does not provide personal financial advice or claims assistance directly. All enquiries, including quote comparisons, claims assistance and any form of personal advice, are provided by a licensed specialist broker, selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request.

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Broker Matching

A specialist Strata Insurance Broker will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your strata insurance quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

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Strata Insurance Articles

Can I get Strata Insurance for Mixed-use Properties?

Strata insurance is a type of insurance designed specifically for properties that are managed under a strata title scheme. This typically includes multi-unit developments like apartments and townhouses. It covers common areas, such as gardens, hallways, and swimming pools, and provides protection for the owners' corporation against various liabilities and risks. - read more

Is Strata Insurance Mandatory for Apartment Buildings? The Essential Guide for Owners

Strata insurance is a specialized type of insurance designed for properties that are divided into multiple units or lots, such as apartment buildings. It protects the entire building’s common property and the individual interests of the owners. This includes coverage for areas like hallways, gardens, and shared facilities. - read more

Understanding the Key Differences Between Strata Insurance and Home Insurance

Strata insurance is a specialized type of insurance designed to cover multi-unit properties like apartment buildings and townhouses. It protects the common property and the shared interests of all owners within the strata scheme, offering coverage for facilities like pools, gardens, and shared structures. - read more

Step-by-Step Guide to Filing a Strata Insurance Claim in Australia

Strata insurance is a specialized form of insurance designed to protect the shared areas of a property, typically seen in apartment complexes or townhouses. It covers communal assets like hallways, gardens, and recreational facilities. This type of insurance is crucial for both property owners and managers, as it safeguards against potential risks and liabilities associated with shared living spaces. - read more

Strata Insurance Explained: What’s Not Covered and Why It Matters

Strata insurance is a type of cover designed specifically for properties that are subdivided into individual lots or units, which is common in residential and mixed-use developments. It protects the overall structure and shared areas of the property and is usually managed by a strata management body. This insurance is crucial not just for safeguarding the building itself but also for ensuring that common property, such as gardens, hallways, and balconies, is covered against a range of risks. - read more

Insurance News

Queensland Strata Owners Advised to Leverage New Premium Reduction Programs

03 Nov 2025: Paige Estritori

Strata property owners in North and Central Queensland are being encouraged to take advantage of newly introduced federal and state initiatives designed to reduce insurance premiums and enhance cyclone resilience. These programs offer financial incentives for property upgrades that can lead to significant savings on insurance costs. - read more

Strata Futures Report Proposes National Task Force for Industry Overhaul

03 Nov 2025: Paige Estritori

The recently released Strata Futures Report has put forth a comprehensive set of 64 recommendations aimed at transforming Australia's strata industry. Central to these proposals is the establishment of a national task force, co-funded by the government, to spearhead reforms and foster a high-performing, transparent, and sustainable model of property ownership and governance. - read more

NSW Strata Managers Set to Eliminate Insurance Commissions by 2026

03 Nov 2025: Paige Estritori

In a significant development for the strata management sector, the Strata Community Association New South Wales (SCA NSW) has announced a phased plan to eliminate insurance commissions for managing agents, commencing January 1, 2026. This initiative aims to bolster transparency and trust between strata managers and property owners. - read more

Netstrata's Insurance Practices Raise Industry Concerns

26 Oct 2025: Paige Estritori

Recent revelations have cast a spotlight on Netstrata, a prominent strata management firm in Australia, for imposing insurance brokerage fees significantly higher than industry norms. This development has ignited a broader discussion about the need for transparency and reform within the strata management sector. - read more

PICA Group Highlights Potential Risks to Strata Industry Viability

26 Oct 2025: Paige Estritori

Bobby Lehane, CEO of PICA Group, has issued a cautionary statement regarding the future of the strata management sector in Australia. He emphasized that eliminating insurance commissions could pose a significant threat to the industry's viability, drawing parallels to the challenges faced by the aged care sector. - read more

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Knowledgebase

Grace Period:
A time period after the premium is due during which an insurance policy remains in force even if the premium has not yet been paid.

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