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Luxury strata apartment complex with a large outdoor swimming pool, manicured gardens, and residents enjoying shared outdoor spaces.

Strata & Community Insurance Brokers

We work directly with owners corporations and committees to secure competitive strata cover without the extra referral fees.

Direct

No Referral Fees

Specialist

Property Experts

Multiple

Insurer Markets

Recognition

Industry Awards

Most strata insurance gets placed through brokers who have referral agreements with strata managers. Those arrangements often come with extra fees that get passed on to you.

Get a Quote Call 02 9000 1155

A Direct Approach

We work differently. We deal directly with owners corporations, executive committees, and individual lot owners. Our pricing is based purely on insurer commission and our broker fee. No referral splits, no hidden costs.

Property Specialists

We're property insurance specialists who spend most of our time on commercial properties and mixed-use buildings. That experience translates directly to strata work. We understand how buildings are valued and how to structure policies for properties with multiple tenancies.

POLICY SCOPE

What Strata Insurance Covers

Strata insurance protects the building and common property owned by the owners corporation.

Residents relaxing on a landscaped rooftop terrace of a strata apartment building equipped with an outdoor kitchen and city skyline views.
Residents relaxing on a landscaped rooftop terrace of a strata apartment building equipped with an outdoor kitchen and city skyline views.

Usually Covered

✓ Building Cover The structure itself, including external walls, roofs, common area flooring, and fixed installations like lifts or fire systems.
✓ Common Property Driveways, gardens, pools, gyms, and shared facilities.
✓ Public Liability Covers incidents in common areas, including legal costs and damages if someone is injured on the property.
✓ Office Bearer Liability Protects committee members and the owners corporation from claims related to their management decisions.

Not Typically Covered

✕ Individual Lot Contents Personal furniture, carpets, curtains, and internal appliances belonging to the lot owner or tenant.
✕ Wear and Tear Gradual deterioration of the building, including maintenance issues and pre-existing defects.
✕ Landlord Liability The legal liability of individual lot owners as landlords (requires separate landlord insurance).
✕ Short-Term Holiday Letting Commercial risks associated with AirBnB or similar short-stay platforms (unless specifically endorsed).

Most policies also offer optional covers like fidelity guarantee, loss of rent for common property, and voluntary worker coverage.

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MARKET INSIGHTS

Why Strata Insurance Pricing Varies So Much

We've quoted schemes where the incumbent broker's renewal came in at over $20,000 and we placed the same coverage for under $10,000. The difference usually comes down to three things.

Professional strata insurance broker in Sydney discussing policy options and pricing factors with a client in a modern office.

Some brokers only work with one or two strata underwriters. We quote across multiple markets including AXIS, Flex Insurance, CHU, Rubix, Strata Community Insurance, QUS, Longitude, and Hutch Underwriting. More options means better pricing.

If your broker has a commercial relationship with your strata manager, there's often an additional fee built into the premium. We don't have those arrangements, so our pricing is more transparent.

We spend time on property insurance every day. We know what underwriters need to see, how to present building details properly, and when to push back on excessive premiums or excesses.

REAL WORLD PLACEMENTS

How We've Helped

From residential schemes to complex commercial shopping precincts.

Detailed front facade of a multi-story strata-titled apartment building showing a mix of brickwork, glass windows, and modern metal cladding.

What We Need to Quote

When quoting strata insurance, we need details on the building itself (age, construction type, number of storeys, building sum insured), number of units or lots, common property inclusions (pools, lifts, gyms), occupancy type (residential, commercial, mixed-use), and claims history over the past five years.

For commercial or mixed-use strata, we'll also want to know what businesses operate in the building. Some tenancy types (food businesses, childcare, gyms, tattoo parlours) can affect pricing or require specific underwriting.

If you've got a complex tenancy mix or a tenant that's making it hard to get terms, that's where our property experience helps.

FAQS

Common Questions

Strata insurance covers the building and common property owned by the owners corporation. Landlord insurance covers an individual investment property. If you own a unit in a strata scheme and rent it out, you'd typically have both: strata insurance covering the building (arranged by the owners corporation), and landlord insurance covering your contents, loss of rent, and liability as a landlord.
No. The owners corporation can choose any licensed broker. While some strata managers have existing relationships with brokers, the decision sits with the committee or the owners corporation at the AGM.
Yes. We've placed cover for schemes that have been non-renewed due to claims history, difficult tenancies, or building issues. Access to multiple underwriters means we can usually find terms even when the mainstream markets decline.
We handle mixed-use strata regularly. The key is making sure commercial tenancies are properly declared and the policy is structured to cover both residential and commercial common property. Underwriters price these differently to pure residential schemes, but it's very manageable if presented correctly.
Ideally 30 to 45 days before your current policy expires. That gives us time to market the risk properly, get multiple quotes, and allow for any underwriter questions without rushing. If you're closer to renewal, we can often still help, but the more time we have, the better the outcome.
We work directly with owners corporations, executive committees, and individual lot owners. We don't currently have commercial arrangements with strata management companies, which keeps our pricing more competitive.
Aerial perspective of a modern residential strata building complex featuring expansive rooftop terraces and landscaped communal courtyards.

Get the Right Cover for Your Strata Scheme

We work directly with owners corporations and committees to secure competitive strata cover without the extra referral fees.

Call 02 9000 1155 Request a Quote →

Expert Review: 03/01/2026

Verified by Tank Insurance Brokers

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