Strata Title is a title based on dividing the site into lots with separate titles. The most common application of Strata Title is for units; but it is also used for complexes with a number of duplexes and villas.

In the event that the claim relates to the same insured event and the damage sustained is due to the same insured event (i.e. storm damage to your building and contents), then you would only need to pay whichever excess is the higher of your building or contents excess.

We do not offer building insurance for properties under Strata Title. However we can offer you Contents Insurance.

Fences are covered under our insured events, however, we do not cover damage caused by storm, rainwater or flood if the fences and gates are not structurally sound or well maintained.

You are covered for loss or damage to your building or contents (as applicable) caused by storm, rainwater and flood. There are some exclusions and limitations - these are outlined on page 14 of the Home Insurance Product Disclosure Statement.

There are 3 different ways you can start your Home Insurance claim once you’re logged into your My Insurance Portal account:

1. Go to your Home Insurance policy, click on ‘Open policy details’ and start your claim by clicking on the ‘Make a claim’ button at the top of your screen.

2. Go to ‘My Policies’ page and click on the ‘Make a claim’ button on the Home Insurance policy you’d like to start a claim for.

3. Go to 'Make a Home Insurance claim' page and click on the ‘Start your online claim’ button.