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 competitive rates!

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

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

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 broker-matching process helps you find suitable protection at a competitive price from options available through our broker partners.

Why Choose Us?

• Easy comparisons of strata insurance options from multiple insurers represented by our broker partners
• Tailored policies for a wide range of property types
• Fast, obligation-free quotes from licensed brokers (when you submit a request, you agree to be contacted to discuss your options)

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

Insurance News

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CHU Introduces Cyber Coverage in Residential Strata Insurance

14 May 2026: Paige Estritori

In response to the escalating cyber threats targeting strata communities, CHU Underwriting Agencies has expanded its residential strata insurance policies to include cyber protection. This enhancement provides coverage of up to $50,000 for losses resulting from social engineering fraud, a prevalent form of cybercrime where perpetrators impersonate trusted contacts to manipulate payment instructions. - read more

CHU Expands Strata Insurance Capacity to Support Larger Developments

14 May 2026: Paige Estritori

CHU Underwriting Agencies has announced a significant increase in its single risk capacity, raising the limit to $690 million from the previous $300 million. This substantial enhancement enables CHU to better support larger residential and commercial strata developments across Australia. - read more

CHU's 2025 Report Shows Stability in Strata Insurance Premiums Amid Climate and Regulatory Shifts

14 May 2026: Paige Estritori

CHU, Australia's leading strata insurance underwriting agency, has released its 2025 State of the Strata Market report, providing a comprehensive analysis of the current state of the industry. The report offers valuable insights into premium movements, the impact of weather events, regulatory developments, and emerging risks affecting strata insurance. - read more

CHU Introduces Cyber Protection in Strata Insurance Policies

06 May 2026: Paige Estritori

In a significant move to bolster the resilience of Australian strata communities, CHU Underwriting Agencies has integrated cyber protection into its residential strata insurance policies. This enhancement specifically targets the growing risk of social engineering fraud, a form of cybercrime where malicious actors impersonate trusted contacts to manipulate payment instructions. - read more

Suncorp's Strategic Shift in Strata Insurance Classification

06 May 2026: Paige Estritori

Suncorp, a leading Australian insurer, has strategically reclassified its strata insurance business from consumer to commercial, signalling a concerted effort to expand its footprint in the strata insurance market. This move aligns with the company's broader strategy to enhance its commercial insurance offerings and leverage synergies within its portfolio. - read more

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Strata Insurance Articles

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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

Benefits of Bundling Strata Insurance with other Policies

Strata insurance is a specialized form of insurance designed to protect the common property and assets of a strata titled property, which is especially important for property owners in Australia. It provides coverage for shared areas such as hallways, gardens, and pools, as well as liability protection for incidents that may occur in these common spaces. - read more

Factors Influencing the Cost of Strata Insurance

Strata insurance is a specialized type of insurance designed to cover common properties and shared facilities in multi-unit developments, such as apartments and townhouses. This insurance provides protection for the building structure, common areas, and sometimes the individual units against various risks like fire, theft, and natural disasters. - read more

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

Knowledgebase

Insurance Policy Excess:
The amount you will have to contribute when you make a claim.