Earnest Insurance strata insurance protects apartment buildings, townhouses, and strata complexes across Australia against risks like fire, flood, storm damage, and other damages to shared common areas including hallways, roofs, elevators, and car parks. Our strata insurance ensures your collective property is properly maintained and all repair costs are shared fairly among property owners in your Australian strata scheme.
Complete Protection
Our strata insurance in Australia covers the common areas and structural aspects of all properties within your strata scheme including apartment buildings, townhouses, and residential complet giving every Australian property owner comprehensive and reliable strata protection.
Affordable Rates
Competitive Strata Insurance Rates Australia-Wide
We offer competitive strata insurance quotes with flexible payment options helping Australian strata committees and body corporates get the right level of building and common area cover without stretching their budget.
General Advice Warning: Any advice provided is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you and read the relevant Product Disclosure Statement/Policy Wording before making any decision
Why Do You Need Strata Insurance in Australia?
Strata insurance gives Australian property owners and strata committees complete peace of mind safeguarding your strata complex, common areas, and shared assets against the wide range of property risks that affect apartment buildings and townhouse complexes across Australia.
Strata Common Area Insurance Australia
Ensure that hallways, roofs, elevators, car parks, pools, and other shared spaces in your Australian strata complex are fully covered against accidental damage, storm damage, fire, and other potential risks protecting every owner's investment in your strata scheme.
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Strata Insurance for Fire, Flood & Structural Damage Australia
Protect your Australian strata investment from major hazards including fire, floods, storms, cyclones, and structural damage all of which can cause significant financial losses for property owners in strata schemes without the right insurance cover in place.
Share Strata Repair Costs with Confidence Australia
Benefit from collective strata insurance funding for maintenance and repair reducing individual financial burdens on Australian property owners and helping maintain the long-term value of your strata complex.
How it works?
Applying for Strata Insurance is a straightforward process designed to protect your building common areas with the best possible solution.
Step 1: Contact Our Australian Strata Insurance Brokers
Give us a call or fill out the form to get a free strata insurance quote from our experienced Australian insurance brokers we'll assess your strata complex needs and find the right cover for your property.
Step 2: Compare Strata Insurance Options Australia-Wide
We compare strata insurance policies from leading Australian insurers making sure your strata complex has the right common area cover, building protection, and strata liability insurance for your specific property and scheme across Australia.
Step 3: Get Covered & Protect Your Australian Strata Property
Submit your strata insurance application and get ready for best-in-class coverage so your Australian strata complex, common areas, and all property owners are fully protected from day one.
Happy Clients
Our clients love the protection we provide.
Jashan has been very patient and helpful, thank you very much! Highly recommend!
Clyde Dvaz
Martin Yeats
Dr Amanda Johnson
Basra Sukh
Jaspal Singh
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FAQs
Find answers to your most pressing questions about Strata Insurance.
Strata insurance in Australia is a specialist policy designed to protect the common areas and shared structures of strata-titled properties — including apartment buildings, townhouse complexes, and residential strata schemes. It covers the building, common property, and shared assets against damage from fire, storm, flood, and other covered events providing financial protection for all owners within an Australian strata scheme. In most Australian states and territories, strata insurance is compulsory for all registered strata schemes.
Strata insurance in Australia typically covers the building and common areas against fire, storm, flood, and accidental damage, common area contents and fixtures, public liability for injuries occurring in common areas, machinery and equipment breakdown for shared facilities like lifts and pool pumps, voluntary workers cover, and legal liability for the strata body corporate. Earnest Insurance brokers compare leading Australian strata insurance policies to find the right level of cover for your specific strata complex.
The amount of Strata Insurance you need depends on the value of your property. A good rule of thumb is to insure your property for its full coverage cost. Consulting with an insurance agent can help determine the right coverage for your situation.
Yes, many insurance providers allow you to customize your Strata Insurance policy. You can add endorsements for specific items or increase your liability coverage based on your needs. Tailoring your policy ensures you have the protection that fits your lifestyle.
To file a claim, contact your insurance company and provide details about the incident. They will guide you through the process and assess the damage. Prompt reporting can help expedite your claim and get you back on track.
Still have questions?
We love to talk to you, just give us a call.
Get in Touch
Have questions about insurance? Our expert brokers are here to help.