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Strata insurance for South Australia

Cover for Adelaide and all over SA

Your SA strata corporation must take out insurance for essentials. Flex Insurance lets you tailor any extras to include only the things you need.

Essentials cover

Under South Australian law – the Strata Titles Act 1988 (SA) and other legislation – essentials are covered in your Flex Residential Strata Insurance policy:

  • Your property – such as the cost of any damage or repairs to your buildings and common areas, structural floors and ceilings, balconies and balustrades, external walls, steps and staircases.
  • Your liability to others – when an injury or property damage occurs to someone visiting the building, public liability insurance covers the liability for expenses your strata corporation is ordered to pay due to negligence.
  • Fidelity guarantee – mandatory in South Australia, this covers your strata corporation for financial losses from dishonesty, theft or fraud by a third party.

Optional extras

Flex Insurance lets you add optional extras to make sure you’re only paying for the things you really need. Additional cover can be included for:

  • Voluntary workers cover – to cover expenses for anyone who’s injured while doing unpaid work for your strata corporation.
  • Office bearer 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 – this is very useful if you have lifts, machinery, water pumps, and other motor-driven equipment, as repairs can be expensive. Catastrophe cover – in case of a declared widespread catastrophe, such as a bushfire, building repair costs can soar because of the high demand for tradies and builders. This cover takes care of those unusually high expenses.
  • 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?

    A portion of the strata fees you pay, will go towards strata insurance. That means you don’t need to buy your own building insurance, but you should take out your own contents or landlord insurance as the contents and interiors of your apartment are not covered by strata insurance.

  • 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?

    If you want more information on SA strata, head to Strata Community SA.

Important documents

Name Link
Product Disclosure Statement and Policy Wording Download

Why choose Flex Insurance?

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Market leading fully flexible strata insurance with the ability to customise your policy to suit your strata building.

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