Block of Units Insurance for Non-Strata Properties
Backed by Over 25 Years of Experience
Call Us: 1300 900 207
Purpose-Built Cover for Landlords Who Own an Entire Block
If you own a block of flats or units that sit on a single title, standard landlord or strata insurance may not provide the necessary protection. Coverscope offers a tailored block of units insurance for landlords who manage multiple residential tenancies within one property. This is specialist cover designed for a unique type of investment.
What Is Non-Strata Block Insurance?
Unlike strata properties, where each unit is separately titled and managed by a body corporate, a non-strata block is wholly owned and solely managed by you. That means it’s your responsibility to insure the entire building, including common areas, structural elements, and landlord-owned contents within each unit.
Exclusive Non-Strata Products
Coverscope provides access to exclusive non-strata insurance products not available through retail providers. This gives our clients more choice, greater flexibility and a better fit for their property’s needs.
Who Needs This Cover?
Coverscope supports a broad mix of non-strata clients, including:
- You own a duplex, triplex or multi-unit building on one title
- The property is not strata subdivided
- You manage the property directly or through a property manager
- Tenants lease individual units, and you collect separate rent per dwelling
If this sounds like you, general landlord insurance will leave gaps. Coverscope fills those gaps with a solution tailored to your property type and tenancy arrangements.
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What Does Block Of Units Insurance Cover?
Our policies are structured for clarity and real protection. Standard coverage typically includes:
Building Protection
Complete cover for the physical structure of the entire block. This includes walls, roofing, driveways, fencing, and external buildings such as garages or laundry rooms.
Fixtures and Fittings
Cover for items you supply as the landlord. This includes air conditioning, ovens, carpets, blinds, light fittings, and other fixtures located within each unit.
Public Liability
Protection if someone is injured or suffers damage on the property. This is particularly important when tenants and guests share common areas, such as stairwells, walkways, or carports.
Loss of Rental Income
If an insured event makes the units uninhabitable, this cover ensures you don’t lose your income while repairs are underway.
Optional Add-Ons
You can extend your policy to include protections such as:
- Malicious or accidental tenant damage
- Theft by tenants or their guests
- Rent default
- Legal expenses
- Motor burnout for appliances supplied by the landlord
Why Standard Policies Don't Fit
| Policy Type | Suitable for Entire Block? | Covers Common Areas? | Covers Multiple Tenants? |
| Landlord Insurance | No | No | No |
| Strata Insurance | No (requires strata title) | Yes | Shared |
| Block of Units Cover | Yes | Yes | Yes |
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For immediate response please give us a call.
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Find The Right Cover
Complete the form to request a QUOTE. Call us at 1300 900 207 for an immediate response.
Why Coverscope?
- We specialise in complex rental property risks
- You’ll work with a broker who understands block insurance inside and out
- We compare products from top-tier insurers to find the right match for your needs
- Our team handles claims from start to finish, so you’re never left chasing updates
- Every policy is tailored to your block, your tenants and your goals
Request a Quote Today
If you’re insuring a non-strata block of units, let Coverscope take care of it. We help landlords secure proper cover, protect their income and meet compliance requirements, all through one experienced broker. Contact us today to begin the quote process.
Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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Suite 77 Level 2/14 Edgewater Ct, Robina QLD 4226
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
Is this different from landlord insurance?
Yes. A landlord policy typically covers one rental dwelling. If you own multiple attached units on one block, you need broader coverage.
Can I add rent default and tenant damage later?
Absolutely. These options can be added during your policy term or when you renew your policy. Your Coverscope broker will assist you in making adjustments without hassle.
Do I need a professional valuation for the building?
We recommend it. Rebuilding costs for multi-unit properties are higher than single dwellings. A formal valuation helps you avoid being underinsured.
Can this cover blocks with both residential and commercial use?
Yes. If your block includes a shop or office space alongside residential units, we can tailor a policy to include both.
