If you own a home within a Community Association, you're responsible for insuring your building and personal belongings — separate from the insurance that covers shared community property. CHU’s Community Association Home Insurance is designed specifically for lot owners, offering flexible cover for your home, contents, or both.
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 — and CHU’s Home Insurance helps you do just that.
What is a Community Association, and how does it differ from Strata?
A Community Association is a parcel of land subdivision where homeowners share access to common property, such as roads, 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 common 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 land only.
What is included in our Community Association Home Insurance Policy?
Choose from building cover, contents cover, or a combined policy — each offering protection against a range of insured events and tailored to suit your needs as a community association homeowner.
Community Association Home Insurance FAQs
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What is a Community Association, and how does it differ from Strata?
What is a Community Association, and how does it differ from Strata?
A Community Association is a parcel of land subdivision where homeowners share access to common property, such as roads, gardens, or recreational areas. It typically includes standalone houses, like those in estates or villages, rather than apartment buildings or townhouses.
The key difference between Community Association Insurance and Strata Insurance is how the common 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 land only.
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Do I need this insurance if my Community Association already has a policy?
Do I need this insurance if my Community Association already has a policy?
Yes – if you want protection for your own home and personal belongings. The Community Association Insurance Plan covers shared or common property only.
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What does CHU’s Community Association Home Insurance cover?
What does CHU’s Community Association Home Insurance cover?
It offers flexible protection for your building, contents, or both — covering events like fire, storm, theft, water damage, and more.
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Can I choose building cover without contents, or contents cover without building?
Can I choose building cover without contents, or contents cover without building?
Yes. You can customise your policy to include building only, contents only, or a combined Home & Contents cover.
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Is temporary accommodation included if my home becomes uninhabitable?
Is temporary accommodation included if my home becomes uninhabitable?
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.
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Does this policy include legal liability cover?
Does this policy include legal liability cover?
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).
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Are optional extras available?
Are optional extras available?
Yes. You can add optional cover such as accidental damage and portable contents protection to suit your lifestyle.
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What’s the difference between CHU’s Community Association Insurance Plan and this policy?
What’s the difference between CHU’s Community Association Insurance Plan and this policy?
The Community Association Insurance Plan covers shared property like common roads, gardens, and facilities. This policy covers your individual home and personal possessions.
Important documents
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PDS and policy wording for policies effective 31 July 2025 |
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Target Market Determination (TMD) |
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Additional Information Guide This Additional Information Guide explains how we calculate premiums, apply excesses, and settle claims. |
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