Strata Insurance Queensland
Over 120,000 insured in Queensland
units, apartments, & townhouses.
Strata Insurance for Queensland owners
Owners of strata properties in QLD must comply with the obligations to insure as set out in Body Corporate and Community Management Act 1997 (Qld). With our flexible options, you can add or remove coverage to create a policy that suits your property. Our experienced residential strata insurance team can assist you with more information and provide a quote to suit your needs.
In Brisbane, Gold Coast and throughout Queensland, strata insurance provides essential coverage designed to protect the building and common areas, mitigate public liability risks, and offer financial security against events such as fire, storm damage, and other accidental damage. Strata Community Insurance is locally based in Queensland and is a privately owned Australian provider with decades of experience in strata insurance. We understand the unique regulations and needs of QLD properties of all sizes.
Who do we help in the strata Community?
Owners
We provide flexible and comprehensive insurance options to protect your individual investment and shared property.
Strata Managers
We support strata managers with seamless service and customised insurance solutions for the schemes they manage.
Brokers
We support insurance brokers to deliver specialised strata insurance for complex schemes and varied client portfolios.
Why Choose Strata Community Insurance?
Whether you self-manage your property, are a strata manager or a broker, we provide strata communities with the choice to place their insurance and tailor coverage to their specific needs, building types, and risk profiles.
With 100% of our resources dedicated specifically to the strata community, and teams based in all major states, including Queensland.
Being privately owned, and with presence in all major capital cities, we have a complete focus on Australian strata communities so you can be confident our products and services are built to work for your needs.
Claims time is when insurance proves its worth. Our quick and easy online claim lodgement gives you access 24/7. If you have a more complex situation, our Australian based claims team handles everything locally.
Partnering with Allianz Australia Insurance Limited, part of the Allianz Group, means you have the confidence of being backed by one of the world’s largest insurers.
With passion and support that extends beyond just providing insurance products, we actively advocate for industry and regulatory changes that improve outcomes for the broader strata community.
Click here for information on all our products
What does our Residential Strata Insurance Cover?
The essentials covered
The following are included as standard cover under your Residential Strata Insurance policy.
Insured Property
Covers Loss or Damage to the Building and Common Area Contents which occurs during the Period of Insurance. May also includes cover for loss of rent or temporary accommodation. Limits apply. For further information, please read our Product Disclosure Statement.
Liability to others
Covers the insured’s legal liability to others for accidental death, bodily injury, or Loss or Damage to property that happens during the Period of Insurance. For further information, please read our Product Disclosure Statement.
Voluntary Workers
Provides benefits payable to a Voluntary Worker who sustains bodily injury while engaged in voluntary work or duties for the body corporate. Limits apply. For further information, please read our Product Disclosure Statement.
Optional Extras available
You can add to your cover
Fidelity guarantee
Cover against fraudulent misappropriation of the insured’s Funds. For further information, please read our Product Disclosure Statement.
Office Bearers
Liability
Covers the legal liability of body corporate office holders and committee members for any wrongful act they commit.
For further information, please read our Product Disclosure Statement.
Machinery
breakdown
Provides cover against the breakdown of electrical, electronic and mechanical plant. (All policies include cover for fusion of electrical motors up to $5,000 under Section 1. For further information, please read our Product Disclosure Statement.
Catastrophe
insurance
When the building is destroyed or we declare it a contructive total loss, this additional benefit covers the unforeseen increase in the Replacement cost of the Building following an event declared as a catastrophe by the Insurance Council of Australia. Cover for catastrophic events such as bushfire and earthquake is included under Section 1. For further information, please read our Product Disclosure Statement.
Government audit costs and legal expenses
Cover for the cost of professional fees incurred in connection with an audit, the cost of appealing against common property health and safety breaches, and the cost of defending specific litigation.
For further information, please read our Product Disclosure Statement.
Lot Owners’ Fixtures & Improvements
Cover for Loss or Damage to any fixture or structural improvement, other than Floating Floors, installed by a Lot Owner for their exclusive use and which is permanently attached to or fixed to your building so as to become legally part of it, when the Sum Insured under Part A of Section 1 is exhausted. For further information, please read our Product Disclosure Statement.
Loss of Lot market value
Cover for the reduction in the market value of a Lot or Lots following a total loss or constructive total loss, or partial loss of Insured Property when permission to rebuild is limited or restricted by any Public or Statutory Authority that results in all or some Lot titles being terminated. For further information, please read our Product Disclosure Statement.
Flood
Cover for Loss or Damage to Insured Property caused by Flood which happens during the Period of Insurance.
For further information, please read our Product Disclosure Statement.
Floating Floors
Cover for the cost of repairing or replacing Lot Owners’ Floating Floors if damaged by an Event claimable under Section 1, where the Building Sum Insured is not exhausted. For further information, please read our Product Disclosure Statement.
A word from your Local Strata Insurance Expert
Strata insurance can be complex, and finding the right level of cover to protect your assets can be confusing for many owners. At Strata Community Insurance, we have a team that lives and breathes strata every day.
From our local claims team who respond quickly and ensure that you get the best outcome possible, to our experienced underwriters who are on hand to answer any questions you have with regards to cover and legislative requirements that may impact your building. We pride ourselves on providing our customers with choice, transparency, strata knowledge, and customer satisfaction, which will in turn bring confidence to your community.
Con Iconomidis
General Manager, Community & Strategic Partnerships
What people are saying about us?
We manage a number of Bodies Corporate and receive great service from SCI.
Had my home flooded in January. Took a few months to get it fixed, but overall couldn’t be happier with SCI and Clinton the loss adjuster they assigned to my case.
Happy to have them as insurance.
Thank you SCI for all your support and advice, you are so valuable to the strata community.
Featured Articles
Unlimited Liability: What do QLD Owners Need to Know? When I buy a Strata unit or ‘lot’ what do I actually own? When you buy a unit or ‘lot’ in a Strata scheme you do not individually own everything within that lot. In fact, the external walls, structural internal walls, structural floor, roof and sometimes
Indexation Explained: What Qld Owners Need to Know Your obligations to insure for full reinstatement and replacement value of your strata building Body Corporate (BC’s) are required to insure for full reinstatement and replacement value. Unless a BC has an up-to-date valuation, extra care must be taken to ensure that any movement in building material
A storm emergency plan for strata communities. Be safe. Be prepared. Common areas. After storm. Claims.