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The discussion about the Strata insurance liabilities for the different states is actually irreverent, because the Acts are only a min requirement that the insurance has to cover. The important document is the product disclosure statement (PDS) that the insurance company use to determine what is covered.
Because each state has slightly different interpretation of the Strata insurance liability in that state, the big insurance companies have decided that it is too complicate complying only with each states rules, so they have crafted a policy that is Oz wide and equals or exceeds each individual states insurance requirements.
So if you obtain a PDS from your insurer it doesn’t matter which state you are in the same PDS covers ALL states the same (except for this minor exclusion paint and wallpaper in NSW only). So my policy in QLD will cover exactly the same items as the same policy in ACT, WA, NT, and NSW.
I’ve checked the PDS of both Zurich and CHU and neither are state specific. This is obviously to simplify administration and require one help desk with one set of rules.
Why cannot the Commonwealth Gov insist on the same simplicity.