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Strata insurance for Queensland

Tailored cover for Brisbane and beyond

When you own a strata property in Queensland your body corporate or community title scheme must take out strata insurance with certain basic cover.

Essentials cover

Under Queensland law – the Body Corporate and Community Management Act 1997 (Qld) and other legislation – a number of items are automatically covered by your Flex Insurance, including:

  • Your property – including the cost of any damage or repairs to your buildings and common areas, such as the floor, ceiling and balcony structures, external walls, lobbies, stairwells and steps, and the building’s plumbing and wiring.
  • Your liability to others – if someone is injured on common areas or their property is damaged while at your address, this public liability insurance covers their expenses and costs that your body corporate is required to pay due to negligence.

Optional extras

Once the basics are looked after however, you can choose a range of options to add to your residential strata insurance, including:

  • Voluntary workers’ cover – insurance for anyone who is injured while doing unpaid work for your body corporate or community title scheme.
  • Fidelity guarantee – covers your body corporate for financial losses due to theft or fraud by a member of your strata committee.
  • Office bearer’s legal liability – can help cover the cost of legal fees if there is a claim against your strata committee members, and any damages or costs you’re ordered by a Court to pay.
  • Machinery breakdown cover – for when there’s a fault with your lifts and elevators, shared washing machines, basement water pumps, fused motors and common area air conditioners.
  • Catastrophe cover – comes into effect after a declared catastrophe such as a cyclone or major flood, and is designed to cover the higher costs of repairs due to the increased demand for builders and tradespeople.
  • Government audit costs and legal expenses cover – provides cover in the event of a government audit, protection if the Body Corporate needs to appeal an unreasonable Order imposed by a statutory body and provides cover for legal defence costs.
  • Lot owners’ fixtures and improvements – looks after any shortfall between the estimated replacement cost of your building versus the actual replacement cost when any improvements or renovations are factored-in for which the Body Corporate was unaware.

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Frequently asked questions

  • Who pays for strata insurance?

    Your share of the cost of strata insurance is covered by the strata fee charged by your body corporate or community title scheme. However, since strata insurance stops at the door of your unit, it’s always wise to take out separate contents or landlord insurance to cover the property and goods inside your apartment.

  • Everywhere is different

    No two states are the same, and unfortunately neither are their strata insurance laws – but you don’t need to worry about that. Flex Insurance knows all the ins and outs of each state’s laws, so all your strata requirements are covered, no matter where in Australia you live.

  • Need more information?

    Looking for more information on Queensland strata?

    Head to Strata Community QLD.

Important documents

Name Link
Product Disclosure Statement and Policy Wording Download

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