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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!

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Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

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

What Does Strata Insurance Cover? A Comprehensive Breakdown

Strata insurance is a specialized insurance policy designed to cover common property in apartment buildings, townhouses, and other strata-titled developments. This type of insurance is crucial for both property owners and strata schemes, as it provides peace of mind in the face of potential risks. - 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

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

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

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

Insurance News

Queensland Strata Owners: Act Now to Lower Your Insurance Premiums

05 Dec 2025: Paige Estritori

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

Strata Living in Australia: A $1.4 Trillion Market and Growing

05 Dec 2025: Paige Estritori

The insured value of strata properties in Australia has reached an estimated $1.4 trillion, underscoring the growing significance of strata living in the nation's housing landscape. This substantial valuation reflects the increasing number of Australians choosing strata-titled properties as their preferred mode of residence. - read more

CHU's 2025 Report: Strata Insurance Premiums Remain Stable Amidst Industry Shifts

05 Dec 2025: Paige Estritori

CHU, Australia's largest 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's 2025 Report Highlights Stability in Strata Insurance Premiums

27 Nov 2025: Paige Estritori

NSW Strata Managers to Eliminate Insurance Commissions by 2026

27 Nov 2025: Paige Estritori

The Strata Community Association New South Wales (SCA NSW) has announced a significant shift in the remuneration structure for strata managers. Effective January 1, 2026, members will begin phasing out insurance commissions in favour of a fee-for-service model. This move aims to enhance transparency and trust within the strata management sector. - read more

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Knowledgebase

Coinsurance:
A percentage of the cost of a covered healthcare service that you pay after you have paid your deductible.

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