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Community Association Insurance for Lot Owners’ Homes

Community association insurance for lot owners’ homes protects individual homes that are part of a community association scheme from accidental loss or damage and also offers cover for legal liability and machinery breakdown.

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Your Community Association Insurance for Lot Owners' Homes quote covers:

  • Temporary accommodation or rent: Cost of temporary accommodation covered if your home is unfit to be occupied as intended due to a catastrophe, loss or damage to your home
  • Temporary protection and safety: We will pay the reasonable cost of temporary protection and safety of your home and resident persons due to loss or damage to your home
  • Catastrophe insurance: Insurance against the escalation in the cost of replacement of your home if it is destroyed or declared a constructive total loss due to a catastrophe
  • Keys and lock replacement: Up to $5,000 for the reasonable costs incurred in re-keying / re-coding locks and replacing keys if they are stolen due to forcible entry
  • Removal and storage: Cost of removing, storing, return or insuring any undamaged portion of your home to the nearest place of safe keeping
  • Liability to others: Protection if you become legally responsible to pay compensation for personal injury or property damage in connection with the ownership of your home
  • Professional fees and removal of debris: We cover the cost of architects, surveyors and other professional fees as well as removal of debris arising from accidental loss or damage to your home
  • Electric motors: Cost of repairing or replacing an electric motor which has been burnt out by electric current

Get my quote  For Community Association Insurance Plan

Why Choose CHU?

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Almost 1 million properties protected
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24/7 Claims Process and Emergency Hotline
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Over 40 years of insurance expertise

Important documents

Name Link

Community Association Lot Owners Homes PDS for policies effective 1 October 2023
Our policy encompasses additional and increased benefits over the minimum required by law.


What's changed for Lot Owners Homes PDS for policies effective 1 October 2023
Outlines key policy changes, and should be read in conjunction with latest Product Disclosure Statement and Policy Wording.


PDS policy 10 lot owners homes policy for policies effective 1 January 2022 - 30 September 2023
Information contained in Policy 10 Lot Owners Homes brochure is a standalone version of Policy 10 of the Community Association Insurance Plan.


Target Market Determination (TMD)
Target Market Determination is a document that describes who the product is appropriate for (target market), and any conditions around how the product can be distributed to customers.


PDF Quote form
Complete a quote form for Community Association Lot Owners Homes.