Cipher Insurance — InsightsPlain-English insurance guides from Cipher Insurance.https://www.cipherinsurance.com.au/How Much Does Block of Units Insurance Cost in Australia?https://www.cipherinsurance.com.au/insights/block-of-units-insurance-cost/https://www.cipherinsurance.com.au/insights/block-of-units-insurance-cost/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.Thu, 16 Jul 2026 00:00:00 GMTInsurance Broker vs Buying Direct: Why Some Cover Only a Broker Can Gethttps://www.cipherinsurance.com.au/insights/insurance-broker-vs-buying-direct/https://www.cipherinsurance.com.au/insights/insurance-broker-vs-buying-direct/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.Thu, 09 Jul 2026 00:00:00 GMTNon-Strata Unit Block Insurance: What Owners Need to Knowhttps://www.cipherinsurance.com.au/insights/non-strata-unit-block-insurance/https://www.cipherinsurance.com.au/insights/non-strata-unit-block-insurance/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.Thu, 02 Jul 2026 00:00:00 GMTBuilding Insurance on a Commercial Lease: Who Pays?https://www.cipherinsurance.com.au/insights/commercial-lease-tenant-insurance/https://www.cipherinsurance.com.au/insights/commercial-lease-tenant-insurance/Taking on a commercial lease? Building insurance belongs to the property owner. Here's what a tenant actually needs to arrange.Thu, 25 Jun 2026 00:00:00 GMTPublic Liability Insurance: What It Covers, What It Doesn't and How Much You Needhttps://www.cipherinsurance.com.au/insights/public-liability-explained/https://www.cipherinsurance.com.au/insights/public-liability-explained/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.Fri, 22 May 2026 00:00:00 GMTHow Insurance Referral Arrangements Work in Australiahttps://www.cipherinsurance.com.au/insights/referral-arrangements-explained/https://www.cipherinsurance.com.au/insights/referral-arrangements-explained/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.Thu, 21 May 2026 00:00:00 GMTLandlord Insurance vs Building Insurance: What Australian Property Investors Need to Knowhttps://www.cipherinsurance.com.au/insights/landlord-vs-building-insurance/https://www.cipherinsurance.com.au/insights/landlord-vs-building-insurance/Confused about landlord vs building insurance? Here's what each covers, where they overlap and what investment property owners actually need.Wed, 20 May 2026 00:00:00 GMT