Cover your building, common property & liability, with strata insurance that makes sense.
Strata properties come with shared responsibilities — and shared risk. Whether your strata is residential, commercial, or mixed-use, Commercial & Domestic Strata Insurance helps protect the building, shared areas, and the owners corporation against damage, legal liability and unexpected disruptions.
At Get That Insurance, we make strata insurance simple. We help you compare policies from trusted insurers, explain what’s included in plain language, and tailor cover to suit your strata property and budget.
What Is Strata Insurance?
Strata insurance is designed to cover shared property under a strata title — including the building structure and common areas. It’s typically held by the owners corporation (body corporate) and can help protect against major costs caused by accidents, property damage, or liability claims.
Strata insurance generally applies to:
Commercial vs Domestic Strata Insurance: What’s the Difference?
The main difference comes down to how the building is used.
Domestic (Residential) Strata Insurance applies to residential strata buildings, such as apartment blocks or townhouse complexes.
Commercial Strata Insurance is designed for buildings used primarily for business or commercial purposes, and may include additional considerations depending on operations and risk exposure.
If your building is mixed-use (e.g., shops on the ground floor and apartments above), we can help ensure your cover matches the correct risk profile.
What Strata Insurance Can Cover
Every strata property is different, but typical cover can include:
Building Protection
Covers the physical structure of the strata property, including permanent fixtures and shared structures.
Common Property Cover
Protection for shared spaces such as lifts, gardens, stairwells, driveways, car parks and recreational areas.
Public Liability
Covers legal liability if someone is injured on common property or their belongings are damaged, including associated claims and legal costs.
Building and Contents Damage
Protection for common contents and building damage caused by events such as fire, theft, vandalism or accidental damage (policy dependent).
Loss of Rent
If damage makes part of the property uninhabitable, strata policies may include cover for rental income loss (subject to policy terms).
Natural Disaster Protection
Depending on the insurer and location, cover may extend to storm, fire, flood, earthquake and other weather-related events.
Do Individual Owners Need Their Own Insurance Too?
Yes — in many cases, strata insurance covers the building and common property, but individual owners may still need their own policies depending on what they want protected.
For example:
We can help explain what the strata policy covers versus what should be covered separately.
Why Choose Get That Insurance?
Strata insurance can get complicated — especially when insurers define “building”, “fixtures”, and “common property” differently. That’s where we help.
With Get That Insurance, you get:
Frequentley Asked Questions
Get a Strata Insurance Quote
Whether you’re managing a residential complex, a commercial strata building, or a mixed-use development — we can help you find cover that protects your property, finances and people.
Talk to an Strata Insurance Specialist
Head office address:
Molendinar QLD 4214
Call for help:
