CHU's 2025 State of the Strata Market Report: Key Insights for Property Owners

In contrast, premiums for standalone house insurance have surged by 14%, attributed to concentrated climate risks and structural vulnerabilities inherent in detached homes. This disparity highlights the resilience of the strata insurance sector amidst broader economic pressures.

The report also underscores the impact of recent weather events on the industry. In 2025, Australia faced a series of significant weather incidents, including cyclones and widespread flooding, which have heightened awareness of climate-related risks among property owners and insurers alike.

Looking ahead, the report anticipates that affordability, climate resilience, and regulatory compliance will remain central themes for the strata insurance sector. Upcoming developments include further reforms in New South Wales, the conclusion of Western Australia's five-year strata law review, and the next assessment of the Australian Reinsurance Pool Corporation's Cyclone Pool.

For strata property owners, this report serves as a valuable resource for understanding the evolving landscape of strata insurance and underscores the importance of proactive risk management and staying informed about regulatory changes.