Community Association Insurance Plan
(for the collective owners of all lots)
Includes cover for accidental loss or damage to community property, and protection against risks faced by the association, including legal liability.
What is a community association?
A community association is a parcel 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 owners.
Community Association schemes are referred to by different names depending on the state or territory. Here's how they are defined across Australia:
| State | Term |
|---|---|
| New South Wales |
Community Associations (including Precincts and Neighbourhood Associations). |
| Queensland | Standard Format Plans (SFPs) with standalone lots that do not form part of a voluntary body corporate insurance scheme. While these schemes are not strictly community association titles, for the purposes of insurance whereby cover is only being sought for community or common property, CHU’s Community Association policy is suitable. |
| Western Australia | Survey Strata Scheme. |
| South Australia | Community Corporations. |
| Australian Capital Territory | Community Title. |
The Community Association product is not suitable for land subdivision titles in Victoria, Tasmania or the Northern Territory.
Community property can consist of roads; above and below ground services; communal facilities, such as swimming pools or tennis courts; and insurance for the shared area and amenities. It is, generally, mandatory in most states and territories.
Community Association Insurance at CHU
CHU has several products suitable for owners within a Community Association. As a collective, owners can insure the community property under our Community Association policy. In this case, the insured name is an entity as opposed to individuals; for example, Deposited Plan 123456.
Individual lot owners can choose to cover their individual home and contents insurance or, if the property is leased as an investment, they can choose Landlord Insurance.
Tenants who reside in a home forming part of a Community Association can also cover their personal belongings under our Contents Insurance policy.
Home and contents insurance for community association homeowners
(for individual lot owners)
Includes coverage for individual lot owner’s home, contents or both. Includes optional cover for accidental damage and portable contents.
Landlord insurance for community association homeowners
(for individual lot owners)
Includes cover for landlords who rent out their property against damage caused by tenants and loss of rental income.
Community Association FAQs
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Do I need both strata and contents insurance?
Yes, if you own a home within a Community Association, you’ll typically need building insurance, contents insurance, or both. The community association policy only covers shared property and building structure.
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What is considered community property?
Community property includes shared areas such as private roads, communal gardens, utilities such as above and below ground services, and facilities like pools or clubhouses owned collectively by all lot owners.
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What is the meaning of community insurance?
Community insurance is a policy that covers shared property, infrastructure and liability risks within a Community Association.
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Who is responsible for arranging Community Association Insurance?
The Community Association, its elected committee or the duly appointed managing agent is responsible for arranging and maintaining the insurance on behalf of all lot owners.
Why CHU?
CHU is one of Australia's largest and most awarded insurance underwriting agencies. CHU specialises in providing insurance that is tailored specifically for strata properties like apartments, units, villas and townhouses. CHU protects almost 1 million properties across Australia.
Multi award winning
Awards include ANZIIF Underwriting Agency of the Year Award (2017–2018, 2021–2023), Insurance Business Australia Underwriting Agency of the Year (2021–2022) and Claims Team of the Year (2024).
Almost 1 million properties protected
We are strata specialists, organising the insurance for almost 1 million apartments, units and townhouses across Australia.
24/7 claims process and emergency hotline
When you need help the most, CHU’s claim process strives to be quick and accessible.
