Cipher Insurance

Insights

Insurance guides for clearer decisions.

16/07/2026

How Much Does Block of Units Insurance Cost in Australia?

A duplex or triplex generally costs $1,500 to $4,000 a year to insure. Here's what actually drives the premium on a non-strata block of units, and why.

09/07/2026

Insurance Broker vs Buying Direct: Why Some Cover Only a Broker Can Get

Buying insurance direct works for everyday cover. For high risk trades and non-strata blocks, a broker often reaches markets you can't buy from directly.

02/07/2026

Non-Strata Unit Block Insurance: What Owners Need to Know

Own a block of units that isn't strata titled? Here's what building and landlord insurance actually needs to cover, and why some insurers say no.

25/06/2026

Building Insurance on a Commercial Lease: Who Pays?

Taking on a commercial lease? Building insurance belongs to the property owner. Here's what a tenant actually needs to arrange.

22/05/2026

Public Liability Insurance: What It Covers, What It Doesn't and How Much You Need

Not sure if your public liability cover is right? Find out what it covers, what it doesn't and how much Australian businesses actually need.

21/05/2026

How Insurance Referral Arrangements Work in Australia

Finance and mortgage brokers can earn from insurance referrals. Here's how referral arrangements work, who they suit and what referral partners need to know.

20/05/2026

Landlord Insurance vs Building Insurance: What Australian Property Investors Need to Know

Confused about landlord vs building insurance? Here's what each covers, where they overlap and what investment property owners actually need.