Home, Landlord & Strata

Most direct insurers usually offer Listed Events only as standard. While it’s cheaper, it can also leave you exposed when something unexpected goes wrong. With a Listed Events policy, your insurance will only respond to specific events, and if the damage doesn’t fall under one of these predefined events, it may not be covered. Accidental Damage provides broader protection. It includes everything covered under Listed Events, plus unexpected, unintended, and unforeseen damage.

If something unexpected happens — like a storm, theft, or accidental damage to your home — submitting a home and contents insurance claim may feel overwhelming. But that’s exactly what your insurance is there for. Start by telling us: a brief summary of what happened, provide photos or videos of the damage, list damaged or lost items, provide repair or replacement quotes (if available), and provide police report details if relevant.

If you own a commercial unit or office space in a strata building, your property must be insured under a strata insurance policy, not a traditional Commercial Property Owners policy. Because the building and infrastructure are shared, insurance must be arranged through the owners' corporation or body corporate, under a strata insurance policy. A standard commercial policy is designed for freehold property, where a single owner is responsible for the entire building and land.

The Public Liability component of your Landlord's Insurance protects you if someone is injured or their property is damaged, because of something related to your rental property — and they decide to seek compensation. If something goes wrong and you're found responsible, liability insurance is what steps in to protect you financially.

If you live in or own a lot in a community title scheme in Western Australia, you’re sharing ownership and responsibility for common property. With shared property comes shared risk — which is why common property insurance isn’t just a good idea, it’s a legal requirement. It protects the shared areas and structures of a community title property against risks like fire, flood, storm damage, or vandalism and ensures all owners in the scheme are financially protected if somethi