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Strata Insurance

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

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Shared cover for collective peace of mind

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.

Do I need Strata Insurance?

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.





What am I covered for?

Cover Type

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


Amount nominated by you

Amount nominated by you

Up to $20 million

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

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

Up to $1 million

Up to $10,000 of net costs

Amount nominated by you

Want to know more?

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

Covered incidents

No matter what level of cover you choose, we cover these incidents as standard:

Accidental loss or damage





Earthquake and tsunami

Theft and burglary, even if it’s by your tenants or their guests

Breakage of glass

Escape of liquid


Damage by an animal


Riot, civil commotion or public disturbance

Malicious acts and vandalism, even if it’s by your tenants or their guests

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

Need to talk?


Monday to Friday  7am to 9pm
Weekend & Public Holidays 8am to 6pm

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