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

Analyzing Premium Trends and Emerging Risks in the Strata Insurance Sector

CHU's 2025 State of the Strata Market Report: Key Insights for Property Owners?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

CHU, Australia's leading strata insurance underwriting agency, has released its 2025 State of the Strata Market report, providing a comprehensive analysis of current industry trends and challenges.
The report indicates that strata insurance premiums have experienced a modest increase of 2.8% over the past year, rising from an average of $954 to $981 per lot annually.
This growth rate is notably lower than the 3.4% increase in household incomes during the same period, suggesting that strata insurance remains relatively affordable for apartment 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.

Published:Saturday, 13th Dec 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Depreciation:
The reduction in the value of an asset over time, used in insurance to calculate the actual cash value of property.

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