Community Association Home Insurance

What is a Community Association, and how does it differ from Strata?

A Community Association is a type of land subdivision where homeowners share access to community property, such as roads and paths, gardens or recreational areas. It typically includes standalone houses, like those in estates or villages, rather than apartment buildings or townhouses (although these latter building types are still possible).

The key difference between a Community Association Insurance and  Strata Insurance is how the community property is structured. In a Strata scheme, shared areas often include the building itself – such as walls, roofs, and internal spaces – whereas in a Community Association, the homes are free-standing, and the shared property is sections of land and infrastructure such as utilities and above and below ground services.

What is Community Association Home Insurance?

Community Association Home Insurance is designed specifically for home owners, offering flexible cover for your building, contents or both against a range of insured events such as fire, storm, theft and water damage.

If you own a home within a community association, you’re responsible for insuring your building and personal belongings separately from the insurance that covers shared community property.

If you rent within a community association, the building itself is typically insured by the property owner, but your personal belongings are not. To protect items such as furniture, electronics, clothing and other valuables against insured events like theft, fire or water damage, renters should consider taking out Contents Insurance. This ensures your possessions are covered even though the building structure is insured separately by the owner.

This policy complements CHU’s Community Association Insurance Plan, which protects common property such as roads, gardens and shared facilities. As an individual owner, it’s your responsibility to ensure your private residence and possessions are adequately protected.

Choose Your Cover

Buildings & Contents Cover: Protection for both your home and the belongings inside it.

Buildings Cover Only

Contents Cover Only

What does CHU Community Association Home Insurance cover?

Community Association Home Insurance protects your home and belongings against a range of unexpected events.

Key covers*

Buildings Cover (if selected)

Covers costs of building repair or replacement (up to your building sum insured) due to loss or damage to your home from insured events.

Contents Cover (if selected)

Covers costs of contents repair or replacement (up to your contents sum insured / policy limit) due to loss or damage from insured events.

Legal Liability Cover

Protection if you become legally responsible to pay compensation for personal injury or property damage.

Temporary accommodation

If your home becomes unfit to live in due to an insured event, we can cover temporary accommodation costs for up to 24 months or 20% of your building sum insured.

*Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.

Optional Covers*

Accidental Damage Cover

Covers the costs of accidental damage to, or accidental loss of, your contents occurring outside of the standard insured events. This can include damage caused by power surge, and accidental loss of your contents that can’t be recovered after you have taken reasonable steps to try to find or recover them.

Portable Contents Cover

Covers eligible personal items that are designed to be used, worn or carried away from home.

Additional Benefits

Your policy may also include additional features designed to support you when unexpected events occur.

Buildings Sum Insured Safeguard: Up to 30% above your building sum insured if rebuilding costs exceed your insured amount.

Security upgrades after burglary: Support for improving security after a break-in.

Replacement locks and keys: Cover for replacing locks if keys are stolen within Australia.

Environmental upgrades after a claim: Assistance for environmentally friendly replacements.

Food spoilage cover: Cover for refrigerated food or medicines lost due to certain insured incidents.

Cover for contents while moving home: Temporary cover while relocating to a new residence.

*You may be able to add optional covers for an additional premium. Cover is subject to policy terms, conditions and exclusions. Please refer to the PDS for full details.

Peace of Mind for Common Strata Claims

Some of the most common causes of strata insurance claims* include:

Water damage

Burst pipes

Hail damage

Glass breakage

Storm damage

Power surge

Fire damage

Accidental damage (optional)

Earthquake damage

*Coverage for these events depends on the insured event, policy conditions and applicable exclusions. Refer to the PDS for full details

Why choose CHU?

Specialist strata insurer since 1978

Leading the way in guiding Australian strata towards a healthy and resilient future.

Almost 1 million properties protected

Providing comprehensive cover that strengthens the communities we serve.

Award-winning underwriting agency

Find out why we’re Australia’s leading strata underwriter.

24/7 Emergency Hotline

Reach our experts exactly when you need them.

Important Documents

Community Association Home Insurance PDS and policy wording for policies effective 31 July 2025

Encompasses additional and increased benefits over the minimum required by law.

Download

Community Association Home Insurance Target Market Determination (TMD)

Describes who the product is appropriate for (target market), and any conditions around how the product can be distributed to customers.

Download

Community Association Home Insurance Additional Information Guide

Explains how we calculate premiums, apply excesses and settle claims.

Download

Community Association Home Insurance Key Fact Sheet

Sets out some of the events covered and not covered by this policy and other information you should consider.

Download

PDF Quote Form – Community Association Home Insurance

Download and complete a PDF quote form.

Download

Frequently Asked Questions

A community association is a type of land subdivision where there is a shared use and ownership of community property and amenities. Community associations can include a mix of residential homes and commercial properties spread over a large area of land, with insurance responsibilities divided between common areas and individual lot or home owners.

Yes — if you want protection for your own home and personal belongings. The Community Association Insurance Plan covers shared or community property only.

It offers flexible protection for your building, contents or both — covering insured events like fire, storm, theft, water damage and more.

Yes. You can customise your policy to include building only, contents only, or a combined Home and Contents cover.

Yes. If your home is insured and becomes unfit to live in due to an insured event, we can cover temporary accommodation costs for up to 24 months or 20% of your building sum insured.

Yes. You’re covered for legal liability up to $30 million, including incidents that occur at your home or away from it (depending on the cover type).

Yes. You can add optional cover such as accidental damage and portable contents protection to suit your lifestyle.

The Community Association Insurance Plan covers shared property like roads and pathways, gardens and facilities. This policy covers your individual home and personal possessions.

Community Association Home Insurance

What is a Community Association, and how does it differ from Strata?

What is Community Association Home Insurance?