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Strata insurance Western Australia

Cover for Perth and beyond

In WA, the Council of Owners must take out insurance on behalf of the Strata Company. Flex Insurance lets you tailor your strata insurance.

Flex strata insurance WA

Strata insurance in WA is designed to cover the collective needs of properties under strata titles, as governed by the Strata Titles Act 1985 (WA) and other legislation. Body corporates and councils of owners in WA are required to take out certain minimum cover to provide the necessary protection against common property damage, public liability, and other statutory coverages required by strata by-law in WA.

At Flex Insurance, we recognise the intricacies involved in securing adequate coverage that complies with WA’s specific regulations. Our flexible insurance policies ensure that all aspects of your strata property are protected, from the physical structure of the building, common areas, natural disasters, fire- and water damage to legal liabilities. We deliver expertly guided insurance solutions for residential strata to safeguard your investment and ensure peace of mind for every owner and resident.

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Essentials cover For Your Strata Title Insurance in WA

To comply with the WA laws Flex Insurance provides flexible Residential Strata Insurance for body corporates and committees of owners. We automatically include cover for:

  • Your residential property – which includes the cost of damage and repairs to the buildings and common areas on your property, as well as floor, ceiling and balcony structures, external walls, entry areas, staircases and fire escapes, and the building’s plumbing and wiring.
  • Your liability to otherswhen someone is injured on common areas or something they own is damaged while at your property, your committee of owners may be found liable due to negligence and be ordered to pay compensation. This is covered by your policy’s automatic public liability insurance.

Choose Extras For Your Policy

Once you’ve covered the essentials, your committee can choose which optional add-ons it wants to include, such as:

  • Voluntary workers' cover – for anyone who is working voluntarily for your body corporate and suffers an injury.
  • Fidelity guaranteecovers your owners corporation for any loss due to theft, dishonesty or fraudulent misappropriation of Your Funds 
  • Office bearer’s legal liabilitycan 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 covercomes in very useful if you have lifts, water pumps, shared washing machines or common air conditioners. They can easily breakdown and cost to repair can be substantial.
  • Catastrophe coverwhen widespread declared disaster strikes – like bushfire, earthquake or cyclone – the costs of repairs sky-rockets because of demand for tradespeople or materials. This cover allows for those increased expenses.
  • Government audit costs and legal expenses cover – provides cover in the event of a government audit, protection if the council of owners needs to appeal an unreasonable Order imposed by a statutory body and provides cover for legal defence costs.
  • Lot owners’ fixtures and improvements – often overlooked, but improvements and renovations to a unit which an Owners Corporation is unaware of can increase the actual cost of building repairs well above the declared value of the building. This option covers that shortfall in event the building value is exhausted.

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Why choose Flex Insurance?

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Flexibility - design your own policy

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

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Simple and Affordable

Flex cuts through the confusing insurance jargon with easy to understand strata policies helping you choose the cover that is best for you.

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24/7 Claims

24/7 claims service and support with emergency assistance to get you back on your feet as soon as possible.

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Over 40 Years of innovation

Brought to you by Australia’s first and leading strata specialist CHU Underwriting Agencies.

Who benefits from having residential strata insurance in WA?

Self-Managed Schemes

Flex Insurance reduces the complexities and costs associated with managing strata insurance across a variety of properties in WA, regardless of their size or age. Our policies are designed to adapt to meet the specific needs of your scheme. Whether you need guidance managing your property or expert advice on insurance matters, we're here to ensure you're connected with the best resources.

Strata Managers

Strata managers will find that our services not only offer significant savings but also do not compromise on delivering peace of mind. We pride ourselves on providing professional service, sound advice, and flexible policy options that guarantee exceptional value for your clients.

Insurance Brokers

For insurance brokers, whether strata insurance is a core part of your business or a supplementary service, Flex Insurance supports you in providing stellar service to your clients. We focus on delivering custom-tailored, cost-effective, and reliable insurance solutions that cater specifically to the needs of those in Western Australia.

Frequently asked questions

  • Is regional WA covered by Flex strata insurance?

    Is regional WA covered by Flex strata insurance?

    Definitely. While Perth certainly has the majority of strata properties in Western Australia, other cities and major towns such as Bunbury, Geraldton, Albany, Kalgoorlie, Busselton all have strata properties as well. And their councils of owners all want the peace of mind that comes with flexible, dependable, WA-specific strata insurance.

  • Is strata insurance compulsory in WA?

    Is strata insurance compulsory in WA?

    In Western Australia, section 83 of the Community Titles Act 2018 and section 97 of the Strata Titles Act 1985, require the council of owners to take out strata insurance to cover:

    1. The repair or replacement of the building and common property in the event of damage
    2. Public liability claims for personal injury or personal property damage that happens in connection with the strata’s common property

    Owners corporations can also take out optional cover to include such things as theft and fraud, machinery breakdown, committee indemnity, and injury suffered by workers or volunteers.

  • What does strata insurance cover in WA?

    What does strata insurance cover in WA?

    Strata insurance in WA usually covers common property, structures, fixtures, fittings, common area contents, public liability, voluntary workers' compensation, and more. It helps protect property owners and residents against unforeseen events.

  • How is strata insurance different from building insurance in Western Australia?

    How is strata insurance different from building insurance in Western Australia?

    While building insurance typically covers the structure of individual units or dwellings, strata insurance in WA is designed to protect common property, shared assets, and common areas within a strata-titled property that are collectively owned by all unit owners in the strata scheme.

Important documents

Name Link
Product Disclosure Statement and Policy Wording for policies effective from 1 October 2023 Download
What has Changed for PDS and Policy Wording effective 1 October 2023
Outlines key policy changes, and should be read in conjunction with latest Product Disclosure Statement and Policy Wording.
Product Disclosure Statement and Policy Wording for policies effective from 1 January 2022 - 30 September 2023 Download
Target Market Determination (TMD)
Target Market Determination is a document that describes who the product is appropriate for (target market), and any conditions around how the product can be distributed to customers.
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