Smarter Insurance for Buildings
Find fair, data-backed cover with no hidden costs. Cohabit Insurance uses real building data to deliver smarter cover, clearer insights, and help lower the total cost of risk.
Our Insurance Partners
The Cohabit Approach
Cohabit Insurance is an independent Australian insurance brokerage specialising in strata communities and complex property risk. We work with Owners Corporations, Strata Managers and Developers to secure insurance placements that are fit for purpose, competitively placed, and supported by a responsive service model throughout the policy period.
As a privately owned brokerage, Cohabit operates independently of buying groups or external affiliations. This allows us to provide objective advice, transparent decision-making, and negotiations that focus solely on protecting our clients' interests and the specific requirements of each building.
Our Insurance Director, Eleni Svinos, specialises in managing complex, high-value placements with challenging underwriting profiles, drawing on experience across both domestic and international insurance markets. Her expertise enables her to navigate sophisticated risk scenarios and deliver tailored insurance solutions for clients with unique requirements.
Eleni holds Tier 1 Insurance Broking and Tier 2 General Insurance qualifications, alongside a Bachelor of Laws and a Bachelor of Communications, reflecting a strong combination of technical insurance expertise, legal insight, and strategic negotiation skills.
At Cohabit, we go beyond placing insurance.
We provide expert guidance, proactive protection, and ongoing support that helps owners and Owners Corporations, Strata Managers and Developers make informed decisions, keeps buildings protected, and gives the strata and real-estate communities confidence in their future.
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The Cohabit Difference
Cohabit Insurance is a tech-enabled brokerage built for both strata and non-strata buildings. We use detailed building intelligence to determine risk and collect quotes from our full panel of underwriters.
The result: recommendations based on accurate underwriting insights, delivering better policy coverage, stronger insurer service and sharper premiums.
Cohabit Insurance uses over 595 real building data points to deliver smarter cover, clearer insights, and lower risk.
Correct As Jan 2026
Data that works harder
Buildings are quoted on hundreds of real data points, not just a handful — meaning insurers price less “unknown” and you get sharper, fairer premiums.
Claims made simple
A real-time claims portal and human specialists keep committees informed at every step based on your preferred level of visibility.
Broader market access
We quote to a full panel of underwriters — not just the usual few. More choice, better fit.
Transparent by design
No hidden fees. Just transparent policy breakdowns and benchmarked values.
Our Specialist Capability
Experienced Strata Specialists
Our team specialises in complex and high-defect buildings, including those with extensive defect schedules, regulatory compliance issues, or adverse claims history, as well as the placement of insurance for new developments.
Privately Owned Advice
Our private ownership allows us to provide objective, client-focused recommendations and structure a market strategy designed around your building's needs and outcomes.
Comprehensive market access
We approach the entire market of underwriters and insurers, making sure you have the best chance of getting a competitive price. All proposals are presented clearly, enabling the Owners Corporation to make fully informed, confident decisions.
Tailored, not templated
Every insurance program we design is bespoke. Coverage, limits, risk retention, and cost considerations are aligned to your building's construction, claims history, risk profile, and budget priorities.
Service that continues after placement
We provide ongoing advice, practical claim support, and responsive communication, without generic call centre handoffs, ensuring issues are managed proactively throughout the policy period.
Cohabit's service model is deliberately structured around three core priorities:
- Transparency
- Genuine insurer competition
- Reliable, year-round advisory support
When appointed, you can expect:
Renewal planning
(starting from 4 months prior to the renewal date)
Full market engagement each renewal
Clear renewal reporting
(delivered ahead of decision time)
Claims support that's fast and practical
Ongoing advice when it matters
Direct contact with your dedicated broker
Market Insights
Understanding Underinsurance
Underinsurance is becoming an increasing concern across the property and strata sector. It occurs when the insured value of a property is insufficient to cover the full cost of rebuilding or repairing the building to its original condition following a loss.
Read moreHow Data Analytics is Transforming Building Insurance
Discover how modern data analytics and building intelligence are revolutionising the way insurance is assessed, priced, and managed for strata properties.
Read moreThe True Cost of Underinsurance in Australian Strata
Many strata buildings across Australia are significantly underinsured. Learn the risks, how to identify gaps, and steps to ensure adequate coverage.
Read moreGet a Quote
Office
Suite 901, 32 York St
Sydney NSW 2000
Email Broking
insurance@cohabit.com.auEmail Claims
claims@cohabit.com.au