The building and its condition
Construction, occupancy, facilities, defects and planned works all help describe the property accurately.
Royal Insurance
Strata insurance.
From renewal comparisons to understanding the policy wording, we help owners and strata committees consider insurance for their shared property.
Get a quote →Already have cover?Review my existing insurance
Understand your optionsCover, excesses and exclusions explained
Ongoing supportFor renewals and claims
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Have your insurance details ready?
Complete the full quote form →Financial Services Guide · Authorised representative of Community Broker Network
The details matter
Clear information for your next insurance decision.
Values and policy sections
Have your latest valuation and schedule ready so we can discuss insured values, selected sections and excesses.
The renewal decision
We’ll help you understand key differences between available options and identify outstanding information.
Whether you’re an owner, committee member or strata manager, we’ll help you work through the information insurers need and explain the available options.
Before you choose
What should you consider?
- Building and common-property cover options
- Public liability and other strata policy sections
- Valuations, excesses and policy exclusions
These are topics to discuss, not a statement of cover. Terms, limits, exclusions and availability vary by insurer and policy.
What affects the premium?
Location, construction, building condition, sums insured, facilities and claims history.
What will you need?
Have your current schedule, building details, valuation and claims information available.
How can Royal help?
We help you compare suitable options available to us and explain the differences. You can also turn to us for claims support and renewal assistance.
An Advisor on your side
Know what happens next.
A clear process, from your first enquiry to your decision.
Start with your current schedule.
Send the information you have. We’ll identify what else is needed for a review.
Request a policy review →We understand the request
We discuss your activities or property, timing and any particular requirements.
We work through the information
We identify missing details and seek suitable options available to us. More complex risks may need further insurer questions.
You understand the options
We explain the proposed cover, costs, excesses and key conditions before you decide. We confirm when cover has been arranged.
Your questions, answered.
Can an owner or committee member start a review?
Yes. Tell us your role and the property details. We’ll clarify authority and the information needed to proceed with the scheme’s insurance review.
What documents are useful for a strata renewal?
Start with the current schedule, renewal offer and any recent insurance valuation. Claims information and details of building works or known defects may also be needed. You can begin without having every document ready.
Can you discuss commercial or mixed-use strata?
Yes. Tell us about the residential and commercial occupancy, the activities carried out and any shared facilities. Availability and terms depend on the individual building and insurer assessment.
Does strata insurance replace an owner’s contents policy?
Do not assume the scheme’s policy covers all property or liabilities within a lot. The policy wording, ownership arrangements and applicable rules matter. We can help identify questions to check for your situation.
Does requesting a quote start my insurance?
No. Sending an enquiry or quote form does not put cover in place. We will explain the next steps and confirm when cover has been arranged.
General information from Royal Insurance. For advice about your circumstances, send us an enquiry.
Ready to discuss your cover?
Start with a few details. A Royal Advisor will help you with the next steps.
Get your quote started