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What's strata insurance?

Strata insurance is cover designed for apartments, townhouses, offices, shopping centres, and other buildings collectively owned under a strata title. It typically covers the building and common areas, mitigates your public liability risks, and offers financial security against events such as fire, storm damage, and other accidental damage.

With an increasing number of Australians calling strata properties home every year, we’ve partnered with Strata Community Insurance who exclusively serve the strata community with tailored insurance solutions. They’re trusted to insure almost half a million units, apartments, and townhouses across Australia.

What type of strata insurance do I need?

Strata Community Insurance have over 40 years experience in strata cover. They have a variety of options available, so you can find the cover that’s right for your strata community.

Residential strata

Cover designed for apartment buildings, units, or townhouses where people live.

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Commercial strata

Cover for buildings where businesses operate, like offices, restaurants, or shopping centres.

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Community association

Designed to cover common property of larger planned communities such as residential estates and gated communities. Common property may include driveways, roads, parks, and recreational facilities.

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Your local experts

Strata living is regulated per state and territory, so it can vary across Australia. Whether you’re a strata company, owners corporation, or body corporate, Strata Community Insurance has offices across Australia with a team that understands your local obligations. Select an Australian office location or see the Product Disclosure Statement (PDS) for more information.

What does Strata Community Insurance cover?

Below is a snapshot of what our partner Strata Community Insurance covers. Your insurance can vary depending on your community’s unique needs or location. For the full list of product inclusions and exclusions, we recommend reading the relevant PDS.

What's covered

  • Loss or damage to the insured property 
  • Liability to others
  • Cover for voluntary workers in TAS, ACT, NT, and WA

Optional extras

  • Fidelity guarantee
  • Office Bearers Liability
  • Flood
  • Floating Floors
  • Workers’ compensation
  • Machinery breakdown
  • Catastrophe insurance
  • Lot Owners’ Fixtures and Improvements
  • Government audit costs and legal expenses
  • Loss of Lot market value

Guidance from your strata insurance experts

Strata Community Insurance have created a Strata Toolkit that provides general information and guidance for common questions on building, maintenance, and insurance issues.

Get your toolkit

Are you a strata manager or broker?  Get quick access to your essential tools.

Why choose Strata Community Insurance?

Proudly Australian

Australian owned and operated, with local support focused on your community.

24/7 online claims

Submit a claim online at a time that best suits you. 

Care for the community

Advocates for industry and regulatory changes to improve strata communities.

Ready to get started?

Frequently asked questions

Strata Community Insurance is a specialist insurance provider that exclusively serves the strata community.

They’re Australian-owned with a presence in all major capital cities, and have partnered with Allianz Australia to offer cover that meets the unique needs of strata communities.

Strata insurance operates differently from individual home insurance because it covers the collective interests of all lot owners within a strata scheme and is required by law.

Home (or Buildings) Insurance is designed to cover the physical structures of standalone houses. Contents insurance is designed to cover the items inside your home like your furniture, white goods, clothes, and more.

While the strata policy covers things such as the building structure and common property it doesn’t cover things like personal property or belongings. Each individual owner may need to consider their own additional insurance needs such as contents or landlord insurance.

Strata Community Insurance has several claim lodgement options   available 24/7 for your body corporate or owners corporation, including online. Strata claims are most often lodged on behalf of the body corporate by either an owners committee member, your strata manager, or your insurance broker. For more information, see the  Strata Community Insurance page on how to make a claim.  

Other products you might be interested in

Contents insurance

Our Contents Insurance covers the cost of loss or damage to your contents at home. This includes your furniture, white goods, rugs, electrical appliances, clothes, linen, and more.

Learn more

Landlord insurance

Our Landlord Insurance covers the cost of loss or damage to your investment property and the contents you provide for your tenant. You can buy a building-only or contents-only policy, or combine both.

Learn more

We're here to help

Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.

Visit Help and contact

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Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.