Community Living Insurance

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Posted: July 27, 2026

Community Living Insurance – What Every Property Owner Should Know

Owning a home in a community scheme means your property is part of something bigger — shared spaces, shared responsibilities, and shared insurance. But do you know exactly what your scheme’s insurance covers and what it doesn’t?

This article series helps owners understand how community living insurance works, what your responsibilities are, and how to make sure you’re properly protected.

Each topic links to a full article so you can explore the areas most relevant to you.

🧩 1. Understanding Your Scheme’s Insurance

What the Body Corporate or HOA policy actually covers

Learn what community living insurance is, what it protects, and how it differs between Sectional Title Schemes and Homeowners Associations (HOAs).
Understand why your personal home and contents insurance are still essential.

🚫 2. What’s Not Covered – And Why

Understanding exclusions and owner responsibilities

Insurance isn’t a maintenance plan.
Find out which types of damage and events are excluded — from wear and tear to defective workmanship — and why owners must handle their own contents, vehicle, and pet insurance.

💥 3. When You Can Claim – And When You Shouldn’t

How to know if your loss qualifies as an insurable event

Discover what counts as an insurable event, sudden, accidental, and unforeseen, and when it’s better not to claim to protect your scheme’s insurance record and premiums.

🧾 4. How to Submit an Insurance Claim

A step-by-step guide for owners

Learn the right way to submit a claim through your managing agent, what documents to include, and the timelines that insurers require.
Avoid the common mistakes that cause claim delays or rejections.

💰 5. Who Pays the Excess?

Understanding how insurance excess works in community schemes

Find out when the Body Corporate pays the excess — and when it becomes the owner’s responsibility under Regulation 23(2) of the Sectional Titles Schemes Management Act.
The golden rule? You pay the excess for what you maintain.

🏠 Why This Matters

Understanding your scheme’s insurance helps you:

  • Avoid rejected or delayed claims
  • Plan for your own personal insurance cover
  • Protect your property value and financial security
  • Keep your scheme compliant and well managed

🔗 Read the Full Series

🧩 Understanding Your Scheme’s Insurance
🚫 What’s Not Covered — And Why
💥 When You Can Claim — And When You Shouldn’t
🧾 How to Submit an Insurance Claim
💰 Who Pays the Excess?

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