Why should I use a broker for strata insurance?

A broker can access multiple insurers, negotiate competitive terms, provide tailored cover for your property, and guide you through the claims process, ensuring transparency and avoiding underinsurance.

Strata Insurance Brokers Australia – Clarke Lyons Insurance

Q: Is strata insurance compulsory in Australia?

Yes, strata insurance is mandatory across all Australian states and territories. It must cover the full replacement value of the building and provide public liability insurance for shared areas.

Q: What does strata insurance usually cover?

Standard strata insurance covers the building and common property, public liability, and fixtures and fittings. Optional add-ons may include machinery breakdown, office bearers’ liability, catastrophe cover, and legal liability extensions.

Q: What questions should I ask my strata insurance broker?

Ask your broker: Can I see the full insurer quotes and commission breakdown? Which insurers do you access that I cannot go to directly? How do you ensure my building isn’t underinsured? What support do you provide during claims?

Nationwide Strata Insurance Solutions

At Clarke Lyons Insurance, we specialise in helping strata owners, committees, and property managers across Australia find transparent, tailored, and competitive strata insurance solutions. With no public comparison sites available, choosing the right broker is essential to secure the right coverage without hidden costs.

Our team works nationwide—including Sydney, Melbourne, Brisbane, Perth, Adelaide, and regional centres—delivering expert advice, complete transparency, and support when it matters most.

Why Choose Clarke Lyons as Your Strata Insurance Broker?

National coverage – Supporting strata schemes across all states and territories.
Transparent quotes – We disclose commissions, fees, and insurer breakdowns so you know exactly what you’re paying for.
Broker expertise – As AFSL-licensed brokers, we access multiple insurers and negotiate the best terms on your behalf.
Claims support – Our team helps you navigate complex claims, ensuring your strata scheme gets what it’s entitled to.
Tailored solutions – From small apartment blocks to large complexes, we customise cover to suit your needs.

Common Questions About Strata Insurance

Is strata insurance compulsory in Australia?

Yes. Strata insurance is mandatory across all Australian states and territories. It must cover the full replacement value of the building and provide public liability insurance for shared areas. Specific requirements can vary by region, so it’s important to work with a broker who understands state laws.

What does strata insurance usually cover?

Standard strata insurance typically includes:

Building and common property (walls, lifts, car parks, shared areas)
Public liability for injury or damage on common property
Fixtures and fittings

Optional add-ons may include:

Machinery breakdown (lifts, air conditioning)
Office bearers’ liability (committee members)
Catastrophe cover (floods, bushfires)
Legal liability beyond standard policies

Why should I use a broker instead of going direct?

Brokers bring expertise, independence, and negotiating power:

Access to multiple insurers (not just one provider)
Guidance on avoiding underinsurance
Tailored cover for your building’s risks
Claim advocacy in case of disputes

Do brokers add extra fees or commissions?

Yes, many brokers and strata managers charge commissions and service fees—sometimes 20–45%. These costs are often hidden. At Clarke Lyons, we believe in full transparency, showing you insurer quotes and commission breakdowns upfront.

What questions should I ask my strata insurance broker?

Can I see the full insurer quotes and your commission breakdown?
Which insurers do you have access to that I can’t go to directly?
How do you ensure my building isn’t underinsured?
What support do you provide during claims?

Strata Insurance Challenges in Australia

Rising Premiums

Climate-related events and inflation have driven premiums higher. Using a broker ensures you can compare multiple providers and reduce costs where possible.

Transparency Issues

Many strata owners complain about hidden commissions and lack of visibility. Clarke Lyons prioritises openness—helping you make informed decisions.

No Comparison Websites

Unlike home or car insurance, there are no easy comparison sites for strata insurance. That’s why having an experienced broker is critical.

Our Commitment to You

At Clarke Lyons Insurance, we go beyond simply finding a policy. We partner with you to:

Identify the right level of cover for your property
Provide complete transparency in all costs
Help you navigate complex claims processes
Deliver personalised service, no matter the size of your strata scheme

Get a Quote

Looking for a strata insurance broker you can trust nationwide? Clarke Lyons Insurance is here to help.

complete our online enquiry form to get started.

Frequently Asked Questions (SEO Section)

Q: Is strata insurance compulsory in NSW, VIC, QLD, WA, SA, and ACT?
Yes, strata insurance is compulsory nationwide, though specific requirements differ by state.

Q: How much do strata insurance brokers charge?
Broker commissions and fees can range from 20–45%. Always ask for a breakdown.

Q: Can I arrange strata insurance without a broker?
In some cases, yes. But you may miss out on competitive pricing, broader coverage, and claims support that brokers provide.

Q: Do Clarke Lyons Insurance cover small apartment blocks?
Absolutely. We work with buildings of all sizes, from duplexes to large residential and mixed-use complexes.

Clarke Lyons Insurance – Your Trusted Strata Insurance Broker Australia-Wide

Transparent. Experienced. Nationwide.

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