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Cover for shared property under a body corporate
Often mandatory for strata schemes (apartment buildings, unit complexes). Covers common areas, building structure, and liability for owners’ corporations.
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Hallways, lobbies, lifts, and communal facilities.
State laws require strata plans to hold certain levels of insurance.
Protects the body corporate against legal liability for injury or damage occurring on common property.
Ensures financial protection for the full rebuild cost after events like fire, flood, or storm.
Covers temporary housing costs for lot owners or tenants if units are uninhabitable due to insured damage.
Additional protection to assist with rebuild costs after declared catastrophes like bushfires or cyclones.
Provides compensation for volunteers working on behalf of the strata committee who are injured while performing duties.
Covers repair or replacement of essential machinery like elevators, pumps, and air conditioning units on common property.
Protects against financial loss caused by fraudulent or dishonest acts by committee members or managing agents.
Common questions about strata insurance
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