Community Association Insurance

A community association is a parcel of land subdivision where there is a shared use of the land as community property.

These could be large estates servicing stand alone residential homes, or a mix of commercial, residential, and retail lots that span over a large parcel of land. The term Community Association can mean different things in different areas of Australia, in Western Australia this type of arrangement is commonly known as a Survey-Strata Scheme, whereas in South Australia they are referred to as Community Corporations. A Community Association policy may also be relevant in Queensland for some Standard Format Plan subdivisions where in particularly instances, home owners are permitted to insure their homes individually but the Body Corporate requires insurance for common areas.

Community property can consist of roads, above and below ground services, communal facilities such as swimming pools or tennis courts.

Get my quoteAre you a home owner in a community association?

Community Association Insurance Plan

CHU’s Community Association Insurance Plan includes cover for accidental loss or damage to community property as well as protection against risks faced by the association such as legal liability, voluntary workers and machinery breakdown.

CHU created the first community association insurance plan and is the largest protector of community associations across Australia.

Your CHU Community Association Insurance Plan quote includes cover for:

• Insured property: Insurance against accidental loss or damage to your building and common area contents from events such as fire, storms and theft
• Voluntary workers: Compensation payable in the event that a volunteer sustains serious bodily injury caused by accidental, visible means whilst working on your behalf
• Liability to others: Protection if you become legally responsible to pay compensation for personal injury or property damage in connection with the common area or insured common property
• Temporary accommodation: Costs incurred from temporary accommodation payable if your community property is made unfit to be occupied for its intended purpose
• Removal and storage of community property: Removal, storage, return and insurance costs payable for the transportation and safe keeping of undamaged community property
• Office bearers’ legal liability - optional: Issued on a claims made basis and indemnifies office bearers should they become legally liable to pay compensation for any wrongful act made whilst carrying out duties within the scope of their position

Get my quoteAre you a home owner in a community association?

Important documents