Strata Insurance Online :: News
SHARE

Share this news item!

CHU's 2025 State of the Strata Market Report: Key Insights for Property Owners

Analyzing Premium Trends and Emerging Risks in the Strata Insurance Sector

CHU's 2025 State of the Strata Market Report: Key Insights for Property Owners?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

CHU, Australia's leading strata insurance underwriting agency, has released its 2025 State of the Strata Market report, providing a comprehensive analysis of current industry trends and challenges.
The report indicates that strata insurance premiums have experienced a modest increase of 2.8% over the past year, rising from an average of $954 to $981 per lot annually.
This growth rate is notably lower than the 3.4% increase in household incomes during the same period, suggesting that strata insurance remains relatively affordable for apartment owners.

In contrast, premiums for standalone house insurance have surged by 14%, attributed to concentrated climate risks and structural vulnerabilities inherent in detached homes. This disparity highlights the resilience of the strata insurance sector amidst broader economic pressures.

The report also underscores the impact of recent weather events on the industry. In 2025, Australia faced a series of significant weather incidents, including cyclones and widespread flooding, which have heightened awareness of climate-related risks among property owners and insurers alike.

Looking ahead, the report anticipates that affordability, climate resilience, and regulatory compliance will remain central themes for the strata insurance sector. Upcoming developments include further reforms in New South Wales, the conclusion of Western Australia's five-year strata law review, and the next assessment of the Australian Reinsurance Pool Corporation's Cyclone Pool.

For strata property owners, this report serves as a valuable resource for understanding the evolving landscape of strata insurance and underscores the importance of proactive risk management and staying informed about regulatory changes.

Published:Saturday, 13th Dec 2025
Author: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

Share this news item:

Insurance News

NSW Strata Reforms Strengthen Maintenance Compliance Enforcement
NSW Strata Reforms Strengthen Maintenance Compliance Enforcement
19 Mar 2026: Paige Estritori
The New South Wales (NSW) government has introduced a new tranche of strata reforms aimed at enhancing the maintenance and safety of apartment buildings across the state. A key component of these reforms is the proposal to grant NSW Fair Trading the authority to enter any apartment building without a warrant if there are reasonable grounds to believe that the owners corporation is failing to maintain common property adequately. - read more
CHU's 2025 Report Shows Stability in Strata Insurance Premiums Amid Climate and Regulatory Shifts
CHU's 2025 Report Shows Stability in Strata Insurance Premiums Amid Climate and Regulatory Shifts
19 Mar 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 Enhances Strata Insurance Capacity for Larger Developments
CHU Enhances Strata Insurance Capacity for Larger Developments
19 Mar 2026: Paige Estritori
In response to the evolving landscape of strata developments in Australia, CHU, the nation's leading strata insurance underwriting agency, has significantly increased its capacity to underwrite individual strata risks. The agency has raised its maximum single risk capacity to $690 million, a substantial rise from the previous limit of $300 million. This enhancement applies to CHU's strata insurance policies across both residential and commercial properties. - read more
CHU Unveils Enhanced Residential Strata Insurance Policy
CHU Unveils Enhanced Residential Strata Insurance Policy
11 Mar 2026: Paige Estritori
CHU, Australia's leading strata insurance underwriting agency, has recently launched an upgraded residential strata insurance policy aimed at providing more comprehensive protection for property owners and strata communities. This initiative underscores CHU's commitment to evolving with the needs of its customers by simplifying insurance processes and enhancing community resilience. - read more
ICA Advocates for Reforms to Victoria's Strata Legislation
ICA Advocates for Reforms to Victoria's Strata Legislation
11 Mar 2026: Paige Estritori
The Insurance Council of Australia (ICA) has recently called for significant reforms to Victoria's strata legislation, highlighting a direct correlation between inadequate governance and escalating insurance premiums for residents. With approximately one in five Victorians residing in strata-titled properties, the need for effective management and oversight has become increasingly critical. - read more
Click for more Insurance News


Strata Insurance Articles

Benefits of Bundling Strata Insurance with other Policies
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
What Does Strata Insurance Cover? A Comprehensive Breakdown
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
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
Strata Insurance Explained: What’s Not Covered and Why It Matters
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
Can I get Strata Insurance for Mixed-use Properties?
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


Your free Strata insurance quote comparison starts here!
First Name:
Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.


Knowledgebase
Professional indemnity:
An insurance that provides cover for liability incurred in the course of exercising a profession.

Quick Links: | Strata Insurance | Strata Insurance Australia | Commercial Strata Insurance | Residential Strata Insurance | Best Strata Insurance Policy | Strata Insurance Quote | Strata Insurance Brokers | Strata Insurance Comparison | Body Corporate Insurance | Apartment Building Insurance | Owners Corporation Insurance
This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.
IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.