Strata Title Insurance

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What is Strata Title Insurance?

Strata Title Insurance (also known as body corporate insurance) provides cover for common properties managed under strata title legislation or a body corporate entity.

This policy is worth getting as it covers damage to the building itself as well as common property, including pathways, common contents, walls, fences, carpets on stairways and more. It gives you peace of mind that your building is protected.

Note: Body corporate is made up of the registered owners of the building (such as the individual apartment owners).

Do I need this Insurance?

You should consider getting Strata Title Insurance if:

  • You own a property within an apartment block
  • You own a townhouse, villa, duplex, factory, warehouse or storage unit
  • You own a retail shop or office

What does it cover?

Usually managed by an owner’s corporation or body corporate, Strata Title Insurance generally covers you for:

  • Buildings, including common contents and common property including lifts, pools, car parks, gardens, wiring, balconies, walls, ceilings etc.,
  • Liability (ranges from $5million to $20million) in the event that people are injured on common property,
  • Fidelity Guarantee,
  • Officer Bearers’ Liability,
  • Personal Accident,
  • Workers Compensation in NSW, WA, TAS and NT.

Important Tips

  • Each state and territory have different legislative requirements in regards to Strata Title Insurance,
  • Your body corporate will usually arrange Strata Title Insurance on your behalf, however take the time to understand your specific coverage and requirements,
  • Although Strata Insurance includes common contents, make sure you also have your own contents cover for your belongings and for the elements Strata Insurance doesn’t cover,
  • Make sure you speak to your broker about what is and isn’t included in your policy.

How Coverforce can help

Our experienced insurance brokers can assist you with personalised risk advice and the placement of your Strata Title Insurance policy.

For more information on how you could be better covered, contact us at our Coverforce Office and speak to one of our qualified insurance brokers.

Alternatively, you can simply fill out a Quote Form below and we will get back to you within one business day.


Request a Strata Title Insurance quote

Simply fill out the form below and we will get back to you within 1 business day. Alternatively, should you prefer to speak to someone right now, contact us during business hours to speak with an experienced insurance broker.

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