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See the selected strata insurance providers before answering any questions.
11 strata insurance providers
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11 providers · A–Z
| Provider | Who they work with | Cover areas | More info |
|---|---|---|---|
CHUUnderwriting agencyAboutCHU Underwriting Agencies acts for QBE Insurance (Australia) Limited. Its residential strata product can be approached directly or through an intermediary. | Residential strata schemes, Mainly residential mixed-use schemes, Self-managed schemes, Strata managers and brokers | Visit provider | |
CHU (commercial)Underwriting agencyAboutCHU Underwriting Agencies acts for QBE Insurance (Australia) Limited. Its commercial product is for commercial strata and mixed-use schemes with at least 20% commercial floor area. | Commercial strata schemes, Mixed-use schemes at or above 20% commercial floor area, Industrial strata schemes where CHU accepts the business use, Self-managed schemes, strata managers and brokers | Visit provider | |
ChubbInsurer · broker-onlyAboutChubb Insurance Australia Limited offers one strata product for residential, mixed-use and commercial buildings. The product is available only through insurance brokers. | Residential strata schemes, Mixed-use schemes, Commercial strata schemes, Larger buildings, Brokers placing complex risks | Visit provider | |
Hutch UnderwritingUnderwriting agencyAboutHutch Underwriting is an authorised representative of CoverRadar Group. Its residential strata product is available through insurance brokers. | Residential strata schemes, Schemes with up to 20% commercial use, Strata managers and brokers | Visit provider | |
Hutch Underwriting (commercial)Underwriting agencyAboutHutch Underwriting is an authorised representative of CoverRadar Group. Its commercial strata product launched in 2026 and is distributed through insurance brokers. | Commercial and mixed-use strata schemes, Strata managers and brokers | Visit provider | |
Rubix UnderwritingUnderwriting agencyAboutRubix is a broker-exclusive underwriting agency backed by certain Underwriters at Lloyd's. It considers residential, mixed-use, commercial and industrial strata, including some hard-to-place buildings. | Residential and mixed-use strata, Commercial and industrial strata, Buildings with known defects, Buildings with ACP or other cladding concerns, Hard-to-place risks | Visit provider | |
Strata Community InsuranceUnderwriting agencyAboutStrata Community Insurance Agencies acts for Allianz Australia Insurance Limited. This is its residential strata route. | Residential strata schemes, Mixed-use schemes, Self-managed schemes, Strata managers and brokers | Visit provider | |
Strata Community Insurance (commercial)Underwriting agencyAboutStrata Community Insurance Agencies acts for Allianz Australia Insurance Limited. This is its separate commercial strata route, for schemes with 20% or more commercial floor area. | Commercial strata schemes, Mixed-use schemes at or above 20% commercial floor area, Strata managers and brokers | Visit provider | |
Strata Unit UnderwritersUnderwriting agencyAboutStrata Unit Underwriting Agency issues this product under authority from CGU Australia Pty Ltd, trading as CGU Insurance. The product is intended for predominantly residential schemes. | Residential strata schemes, Company-title schemes, Community and neighbourhood-title schemes, Strata managers and brokers | Visit provider | |
Strata Unit Underwriters (commercial)Underwriting agencyAboutStrata Unit Underwriting Agency issues this commercial strata product under authority from CGU Australia Pty Ltd, trading as CGU Insurance. | Commercial strata schemes, Mixed-use strata schemes, Office and retail strata schemes, Strata managers and brokers | Visit provider | |
Suncorp InsuranceDirect insurerAboutSuncorp Strata Insurance is issued by AAI Limited trading as Suncorp Insurance. The product is sold directly by phone. | Small residential strata schemes, Community-title properties, Owners and body corporates seeking a direct route | Visit provider |
We compare a selection of providers. We don’t compare prices. Policy terms and eligibility apply.
About this comparison
The table shows cover areas and other details that may help you compare providers. It is not a full policy comparison.
Provider information comes from published documents and provider websites. Listings must support the filters you choose to appear in your results.
What kind of strata insurance are you looking for?
The right starting point depends on the property, its use, location and building sum insured.
Residential strata
Cover for apartment buildings, units, townhouses and other mainly residential strata schemes.
Commercial and mixed-use strata
Cover for strata schemes with shops, offices, hospitality, industrial units or a substantial commercial area.
Regional and cyclone-prone properties
Providers may treat regional and cyclone-prone properties differently. We start with your state, but the provider must confirm the postcode.
Buildings with defects or cladding
Some specialist providers may consider buildings with known defects, cladding or a remediation plan. This does not mean the defect or remediation work is insured.
Why strata insurance is different
Strata insurance is arranged for the owners corporation or body corporate. It covers the building, common property and shared assets rather than one owner’s belongings.
Your options can depend on the type of property, how it is used, its location, building sum insured and condition.
Many strata products are available only through an insurance broker. Others can be approached directly.
Some brands use the same insurer. Different logos do not always mean you are comparing different insurers.
What you'll need to get a quote
Having the main scheme records ready can reduce follow-up questions. If you do not know every answer, select "Not sure" where it is available.
- The current policy schedule and certificate of currency.
- The building sum insured and latest replacement-cost valuation, if available.
- The number of lots and how the property is used.
- Claims history for the period requested by the provider.
- Basic building details, including age, construction and occupancy.
- Reports about defects, cladding, major works or remediation, where relevant.
How Specialist Compare works
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Narrow the list if you want
Answer optional guided questions to see providers that may suit the property. Some will need more information before deciding whether they can offer cover.
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Choose who to contact
Check the provider, the insurer behind the policy and how to contact them.
What affects the cost of strata insurance?
The premium is set by the insurer after it assesses the full risk. These are some of the main factors.
Building sum insured
A higher rebuilding cost can increase the premium.
Location
Cyclone, flood, bushfire and other natural-hazard exposure can affect price, excesses and provider availability.
Construction and condition
Building age, materials, maintenance, defects and completed upgrades can affect the price and available options.
Property use
Residential, commercial, industrial and short-stay uses can carry different risks.
Claims history
The number, type and cost of earlier claims may affect the terms offered.
Cover and excesses
Limits, optional sections and the excesses you choose or the provider requires can change the total cost and what the policy provides.
What is strata insurance?
Strata insurance covers the building, common property and shared liabilities of an owners corporation, body corporate or similar scheme.
The exact insurance duties and the boundary between common property and an individual lot depend on the state or territory, the survey plan and the policy wording.
Strata insurance does not replace an owner's contents or landlord insurance. Personal belongings and some fixtures inside a lot may need separate cover.
What strata insurance can cover
Cover differs between providers and policies. It can include:
Building and common property
Repair or reinstatement after insured damage to the building, common areas and body-corporate assets.
Legal liability
Claims where the insured scheme is legally liable for injury or property damage.
Temporary accommodation and loss of rent
Specified costs or lost rent when insured damage makes a lot unfit to occupy.
Voluntary workers
Benefits for people injured while doing authorised voluntary work for the scheme.
Office bearers and fidelity
Cover for certain committee liabilities or the dishonest loss of scheme funds. Limits and definitions vary.
Machinery and catastrophe extensions
Some policies include or offer cover for machinery breakdown, extra rebuilding costs after a declared catastrophe, cyber events or other scheme risks.
Defects, faulty workmanship, wear and maintenance are commonly excluded causes. A provider agreeing to consider a building with a defect does not mean the defect or its repair is covered.
Helpful guides
What does strata insurance cover in Australia?See how the scheme policy and an owner's own insurance usually divide responsibility.Strata insurance valuations and underinsurance in AustraliaUnderstand building sum insured, replacement value and when a new valuation may be needed.Residential vs commercial strata insuranceFind out how mixed use, commercial floor area and tenant activity affect your options.How to compare strata insurance quotesUse a like-for-like checklist for premiums, fees, excesses, limits and the insurer behind each policy.
Strata insurance FAQs
Is strata insurance compulsory?
Most strata schemes must hold insurance, but the rules and exemptions differ by state and territory. Check the rules that apply to your property.
Who arranges strata insurance?
The owners corporation or body corporate normally arranges the policy. A strata manager or insurance broker may handle the process for the scheme.
Does strata insurance cover everything inside a unit?
No. The boundary depends on the law, plan and policy. Personal belongings, carpet and some fixtures may need contents or landlord insurance held by the individual owner or occupier.
Can I get a strata quote without a broker?
You can contact some providers directly. Others only offer their strata products through a broker.
Does strata insurance cover building defects?
Strata insurance does not usually pay to fix defects, poor workmanship, wear or maintenance. It may cover separate damage caused by a defect, depending on the policy. A provider may insure a building that has defects without covering the defects themselves.
What is a building sum insured?
It is the amount recorded for the insured building, usually based on the cost to reinstate it rather than its sale price. A replacement-cost valuation can help the scheme set this figure.
Why do providers ask about commercial floor area?
Some providers use the percentage of commercial floor area to decide whether a residential or commercial product may suit the property. A 20% cut-off is used by some providers, but it is not a national legal rule.