South Australia
Over 23,000 insured in South Australia
units, apartments, & townhouses.
Strata Insurance for SA owners
Owners of strata properties in SA must comply with the obligations to insure as set out in Strata Titles Act 1988 (SA). 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 Adelaide, Mt. Gambier and right across South Australia, 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 South Australia and is a privately owned Australian provider with decades of experience in strata insurance. We understand the unique regulations and needs of SA 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 South Australia.
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 strata corporation. Limits apply. For further information, please read our Product Disclosure Statement.
Fidelity guarantee
Cover against fraudulent misappropriation of the insured’s Funds. For further information, please read our Product Disclosure Statement.
Optional Extras available
You can add to your cover
Office Bearers
Liability
Covers the legal liability of strata corporation 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 in South Australia reflects the state’s unique blend of heritage buildings, CBD high-rises, and suburban growth. With each property comes a different set of risks, requiring tailored protection.
At Strata Community Insurance, we specialise in flexible and comprehensive coverage that meets the needs of South Australian strata communities. From historic facades to modern builds, we help ensure your property and liability exposures are well managed.
A robust insurance policy acts like Adelaide’s Mall’s Balls—reliable, central, and built to last. And while we can’t help you pick between a pie floater or a Frog Cake, we’re here to make strata insurance simple and dependable.
Ben Corby
State Manager, WA/SA/NT
What people are saying about us?
Honestly have been with (another company) for years for our strata insurance…got a quote and saved over $700 !!!!
Got my business!!!
We don’t need insurance until the day we do!
My Friday evening was interrupted by a vehicle driving through a clients unit and the only number I had on hand was that of the state manager who was truly wonderful in helping to get the immediate repairs authorized and underway with quality contractors and getting the loss adjuster in straight away to manage the engineering and rebuilding so that by Tuesday everything is on track to get back to normality.
It is wonderful to be able to deal with people who truly care about their clients and thank you to Ben and the team for continuing to prove that the clients come first and while incidents will continue to occur, having SCI in your corner is a great start toward repair.
Positive
Responsiveness, Quality, Professionalism, Value.
It has been great working with SCI since its inception.
The relationship has proven most beneficial for our clients.
Featured Articles
Play it safe with asbestos Asbestos is a term for a group of six naturally occurring mineral fibres. In the past, it was considered one of the most versatile minerals because of its properties of flexibility, strength, insulating from heat and electricity, chemical inertness and affordability. These same properties resulted in its extensive use over
4 Stages of Building Defects and Maintenance Controls Building defects and maintenance controls are recognised as an integral part of good governance. They are an interactive process that can be used by strata executive committees to mitigate and remove risks. This guide has been developed to support strata executive committees. It will allow them to
Building Valuations & Underinsurance Let’s consider the following items in relation to Strata Building insurance: Underinsurance Despite the fact legislation requires the Corporation, Owners Corporation, Plan or Company (“Body Corporate”) to insure the building for rebuilding and/or replacement value, it is very likely that even with a valuation, the correct sum insured has not been