AANT building insurance: what each policy covers, and who underwrites it
2 building policies from AANT. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Insurance Australia Limited.
- Website
- aant.com.au/
- What it is
- Brand
- Listed on
- Houses and rental properties
- Underwriter
- Insurance Australia Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Insurance Australia Limited)
- Sold by
- Automobile Association of Northern Territory Inc.
Building policies
AANT Home Insurance (Home Building Standard and Plus)
- Type
- Home building · Residential
- Sold
- Direct
- Levels of cover
- Home Building Standard, Home Building Plus
- Building valued as
- Sum insured, + 25% option
- Flood
- Included
- Accidental damage
- Optional extra
- Left empty
- No cover after 60 days. You must tell the insurer. Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).
- Who it is for
- Owners of a private residential building such as a free standing house, townhouse, villa or duplex (TMD).
- Sold in
- NT
- Documents
- Home Insurance PDS and Policy Booklet (prepared 24 February 2025) (24 February 2025) · Key Facts Sheet - Home Building (prepared 10 August 2026) (10 August 2026) · Target Market Determination - Home Buildings/Contents (IAG TMDHBC006, effective 27 April 2026) (27 April 2026)
- Safety net (extra 25% of the building sum insured) comes with Home Building Plus; Standard cover is a plain sum insured.
- Accidental damage at your home is automatically included with Building Plus and optional with Building Standard.
- KFS: no flood cover for the first 14 days after taking out the policy.
The policy
“For more comprehensive coverage, consider choosing Home Building Plus when you get a quote.”
Source: aant.com.au/insurance/home/building · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)”
Source: iag.com.au/tmd/tmdhbc006 · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Home Building Plus gives you: A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired”
Source: aant.com.au/insurance/home/building · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood Yes Covered as Flood or Rainwater Run-off.”
Source: cgu.com.au/documents/cgu-partners/home-building/kfs · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“Accidental damage – at Your Home Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’”
Source: cgu.com.au/documents/aant/home/pds · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:”
Source: cgu.com.au/documents/aant/home/pds · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex”
Source: iag.com.au/tmd/tmdhbc006 · Confirmed on the insurer's page on 13 November 2026.
AANT Landlord Insurance (Landlord Buildings)
- Type
- Landlord · Residential
- Sold
- Direct
- Building valued as
- Sum insured, + 25% option
- Flood
- Included
- Accidental damage
- Not stated
- Left empty
- No cover after 60 days. You must tell the insurer. Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).
- Who it is for
- Owners of a private residential rental building such as a free standing house, townhouse, villa or duplex (TMD).
- Sold in
- NT
- Documents
- Landlord Insurance PDS and Policy Booklet (prepared 24 February 2025) (24 February 2025) · Target Market Determination - Landlord Buildings/Contents (IAG TMDLBC007, effective 27 April 2026) (27 April 2026)
- Safety net (extra 25% of the building sum insured) is an optional benefit on landlord policies.
- The PDS lists accidental breakage of glass and damage by occupant but no separate optional accidental damage cover for the building, so that field is null.
- Policy documents are issued by CGU (Insurance Australia Limited); the KFS used is CGU's generic partner home-building KFS linked from AANT's documents page.
The policy
“Safeguard your investment Home Insurance Home Landlord Insurance Renting out your property?”
Source: aant.com.au/insurance/home/landlord · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)”
Source: iag.com.au/tmd/tmdlbc007 · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.”
Source: cgu.com.au/documents/aant/landlord/pds · Confirmed on the insurer's page on 13 November 2026.
Flood
“Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm”
Source: cgu.com.au/documents/aant/landlord/pds · Confirmed on the insurer's page on 13 November 2026.
Left empty
“Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:”
Source: cgu.com.au/documents/aant/landlord/pds · Confirmed on the insurer's page on 13 November 2026.
Who it is for
“Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex”
Source: iag.com.au/tmd/tmdlbc007 · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.”
Source: cgu.com.au/documents/aant/home/pds · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“Automobile Association of Northern Territory Inc. (AANT) ABN 13 431 478 529, acts as an authorised representative under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.”
Source: cgu.com.au/documents/aant/home/pds · Confirmed on the insurer's page on 13 November 2026.
Insurance Australia Limited: licence
- AFS licence
- 227681 · INSURANCE AUSTRALIA LIMITED
- ABN
- 11000016722
- Licensed since
- 28 July 2003
- Principal business
- Sydney NSW 2000
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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