Body Corporate Insurance


Property Management Adelaide - Body Corporate Strata Management Services JE White's
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Strata/Body Corporate Insurance

Residential strata insurance, also called Body Corporate insurance, covers common contents and property under the management of a strata title or body corporate entity.

Owners of strata units typically share the premium costs of strata insurance as part of their strata fees and liability .Strata insurance is mandatory and mist also provide public liability covering people that may be injured on common property.


What Does Strata Insurance Cover?

Strata insurance generally covers the building and common property and contents as defined on the title for the property. This might include common areas, garden equipment, wiring, lifts, swimming pools, car parks, walls, windows, gardens, ceilings and floors. These policies often have to cover common property that the average home policy does not.

Other common property that you might find is covered under strata insurance may include some of the fixed parts of your unit, such as ducted air conditioning, but it will not cover everything. If you own or lease a strata property you should read the policy carefully so that you understand what is not covered in your unit.


What Does Strata Insurance NOT Cover?

Strata insurance covers only common or shared property and may list certain exclusions, such as coverage against landslip or flood damage, or for the property’s fencing.  It is important to remember this type of insurance doesn’t cover the contents and personal items of unit holders or residents.

Make sure you have appropriate contents cover for your belongings, and for those other things strata insurance does not protect.

For more information on Body Corporate or Strata Title Insurance, please feel free to call JE White’s on (08) 8444 6444.

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