Maintenance, Roles & Governance in Community Schemes Who Maintains What in a Sectional Title Scheme? One of the most common questions owners ask is: Who is responsible for maintenance? The answer depends on whether an area forms part of your section, common...
Sectional Title Ownership – Rights & Responsibilities Understanding What You Own in a Community Scheme Buying into a sectional title scheme is very different from owning a freehold property. Ownership is divided between your private section and the shared...
ANGOR Help Portal – Your First Stop for Quick Answers & Support Community scheme living comes with many moving parts — levy queries, maintenance issues, insurance claims, rule questions, AGM documents and more. The ANGOR Help Portal was created to make navigating...
ANGOR Online – Instant Access to Your Scheme Information Managing your property or community scheme should be simple, transparent, and convenient. That’s exactly why ANGOR Online exists — a secure digital platform designed to give Owners, Trustees and Directors...
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...
Understanding Your Scheme’s Insurance – What the Body Corporate or HOA policy actually covers 💡 Why You Need to Know If you live in a sectional title complex or a homeowners association (HOA), your community has an insurance policy, but it might not cover what...
Who Pays the Insurance Excess? – Understanding how insurance excess works in community schemes 💡 Why This Matters When a claim is submitted under the community scheme’s insurance, an excess (the first portion of the claim amount) is usually payable.Many owners...
When You Can Claim and When You Shouldn’t – How to know if your loss qualifies as an insurable event 💡 Why This Matters Not every loss or repair qualifies as an insurance claim. Community scheme insurance is designed to cover accidental, unforeseen events — not...
How to Submit an Insurance Claim – A step-by-step guide for owners in community schemes 💡 Why It’s Important Submitting a claim correctly and on time helps ensure a smooth process and faster settlement. Because the insurance policy belongs to the scheme, not the...
What’s Not Covered by Community Scheme Insurance – And Why – Understanding exclusions and owner responsibilities 💡 Why Exclusions Matter Even though community living insurance provides broad protection, every policy has exclusions – specific...