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Strata Insurance

We’ve been protecting and supporting Australians for almost 100 years

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Existing customers

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Do I need Strata Insurance?

When you own a home that shares common property, things can get complicated. If buildings, outdoor areas or items are damaged, you want to make sure you have cover in place.

That’s why our Strata Insurance - associated with body corporates or owners corporations - covers residential buildings within a complex and its common areas such as garages, driveways and swimming pools. You can also add cover for common contents, such as lawnmowers and washing machines.

Strata Insurance is a legal requirement and normally the responsibility of the strata title owners, with the cost split between the individual unit owners. If you live in one of the following, chances are you need Strata Insurance.

Townhouse

Unit/Flat

Apartment

Duplex

Insured Events

  • Flood
  • Fire
  • Malicious acts of vandalism
  • Impact
  • Storm
  • Theft and burglary
  • Damage by an animal
  • Riot, civil commotion or public disturbance
  • Explosion
  • Escape of liquid
  • Lightning
  • Accidental breakage of glass
  • Earthquake and tsunami

What am I covered for?

Cover Type

Amount

Accidental damage at the unit

Amount nominated by you

Loss or damage from incidents such as floods*, storms, fires and theft#

Amount nominated by you

Legal liability

Up to $20 million

Loss of rent

Up to 10% of the building sum insured and for no longer than 52 weeks

Temporary accommodation for unit owners

Up to 10% of the building sum insured and for no longer than 52 weeks

Office bearer’s liability

Up to $1 million

Resilience improvements

Up to $10,000 of net costs

Common contents

Amount nominated by you

View disclaimers

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Product Disclosure Statement

This is just a summary, for full details of what is and isn't covered please refer to the Strata Insurance Product Disclosure Statement (PDS)

Ways to save

We’re committed to protecting what matters to you most – every day. That’s why we offer a range of ways that you can save, when you insure your home with us.

Read more

*Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

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Important Information

1Lifetime new for old car replacement: You must be the first registered owner and your car must have been continuously insured under our Comprehensive Advantages level of cover from within 13 months of your car first being purchased until the time of total loss. We will replace your car with a new one of the same or similar make and model.

215% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. T&Cs apply. Refer to the relevant motor or home PED guide for more details. Does not apply to the Roadside Assist portion of your premium.

10% discount can only be applied at New Business or at Renewal when the rated driver is under the age of 25 years. Does not apply to the Roadside Assist portion of your premium.

Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Please read the relevant Product Disclosure Statement before making any decision regarding this product.

Suncorp Health Insurance

About the agent ++ This health insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer and is arranged by Suncorp Insurance Ventures Pty Ltd ABN 53 158 182 042 (Suncorp) as an authorised agent of nib, for which Suncorp receives commission.

© Copyright AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Registered Office, Level 28, 266 George Street, Brisbane QLD 4000. In accessing Suncorp's site you agree to our Online Terms & Privacy Statement. Please ensure that you read these before accessing the site.

Products and services including banking, superannuation and insurance (including home and car insurance but not life insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank (Suncorp-Metway Ltd ABN 66 010 831 722 ) is only liable for the banking products or services it provides and not the products and services of other companies in the Suncorp Group.

Life insurance is provided by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229 880 (Asteron). Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Suncorp is a distributor of Life Insurance products issued by Asteron. The different entities of TAL and the Suncorp Group are not responsible for, or liable in respect of, products and services provided by the other.