Strata & Unit Owners Insurance Sunshine Coast & Queensland
Insurance for Apartments, Units and Strata Property Owners
Owning a unit, apartment, or townhouse within a strata or body corporate structure comes with different insurance responsibilities compared to owning a standalone home.
While the building itself is often insured under a strata policy, individual owners may still have exposure to risks relating to their unit, contents, and personal liability.
For property owners across the Sunshine Coast and Queensland, understanding these responsibilities—and having the right insurance in place—is essential.
At Design Cover Insurance Brokers, we help strata property owners arrange the right cover to protect their assets and avoid costly gaps.
Understanding Strata Insurance
In Queensland, properties such as apartments, units, and townhouses are often managed under a body corporate or strata scheme.
Typically:
The body corporate insurance covers the building and common areas
Individual owners are responsible for certain parts of their property and personal belongings
However, what is and isn’t covered can vary depending on the scheme.
This can create confusion—and potential gaps in cover.
Who This Insurance Is For
This page is designed for property owners within strata or shared ownership structures.
Unit & Apartment Owners
If you own an apartment or unit, you may need insurance for:
Internal fixtures and fittings
Personal contents
Liability exposure
Townhouse Owners
Townhouses often fall under strata arrangements but may have different responsibilities depending on the structure.
Investor Owners (Strata Properties)
If your unit is rented out, you may also need:
Landlord insurance
Cover for tenant-related risks
Loss of rental income protection
What Does Strata & Unit Owners Insurance Cover?
While the building may be insured by the body corporate, individual owners often require additional protection.
Contents Insurance
Covers your personal belongings inside the unit, including:
Furniture
Electronics
Appliances
Fixtures & Improvements
Covers items not included in the strata policy, such as:
Flooring
Internal fittings
Renovations or upgrades
Public Liability Cover
Protects you if someone is injured within your unit.
Loss of Rent (for Investors)
If your property is rented out, this can cover:
Loss of income if the unit becomes uninhabitable
Gap Cover
Helps cover areas where the strata policy may not respond, depending on the situation.
Common Gaps in Strata Insurance
Many property owners assume they are fully covered under the body corporate policy—but this is not always the case.
Common gaps include:
Internal damage not covered by strata
Personal belongings
Upgrades or renovations
Liability within the unit
Loss of rent
Understanding these gaps is critical to ensuring you are properly protected.
Key Risks for Sunshine Coast Strata Owners
Storm & Weather Risk
Severe weather events can impact both buildings and internal contents.
Water Damage Risk
Leaks and internal water damage may not always be covered by strata.
Liability Risk
Injury occurring within your unit.
Underinsurance Risk
Misunderstanding what the strata policy covers.
A tailored insurance solution ensures these risks are addressed.
Why Work With an Insurance Broker?
Strata insurance can be complex, with overlapping responsibilities between owners and the body corporate.
An insurance broker can help you:
Understand what the strata policy covers
Identify gaps in your protection
Arrange appropriate contents and liability cover
Tailor insurance to your specific situation
Assist with claims
At Design Cover Insurance Brokers, we help unit owners ensure they are properly protected.
Strata Insurance Across the Sunshine Coast & Queensland
We assist strata property owners across:
Sunshine Coast
Noosa
Buderim
Maroochydore
Mooloolaba
Brisbane
Gold Coast
Regional Queensland
Whether you own and live in your unit or rent it out, we can help arrange the right insurance.
Get Strata & Unit Owners Insurance
If you own a unit or strata property and want to ensure you’re properly covered, our team is here to help.
Contact us today
📞 Phone: 0419 550 677
📧 Email: hello@designcover.com.au🌐
Website: www.designcover.com.au
Protect your unit, your contents, and your financial position with the right insurance.