Everyday Insurance building insurance: what each policy covers, and who underwrites it
2 building policies from Everyday Insurance. 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 The Hollard Insurance Company Pty Ltd.
- Website
- woolworths.com.au/insurance
- What it is
- Brand
- Listed on
- Houses and rental properties
- Underwriter
- The Hollard Insurance Company Pty Ltd
- APRA
- Authorised by APRA to write new general insurance (listed as Hollard Insurance Company Pty Ltd (The))
- Sold by
- Woolworths Group Limited (Everyday Insurance from Woolworths) · authorised representative no. 245476
Building policies
Everyday Insurance (Woolworths) Home Insurance (building cover)
- Type
- Home building · Residential
- Sold
- Not stated
- Levels of cover
- Standard, Comprehensive
- Building valued as
- Sum insured
- Flood
- Included
- Accidental damage
- Optional extra
- Left empty
- No cover after 60 days (a few events excepted). Still covered: lightning, earthquake. You must tell the insurer. Unoccupied means nobody living and sleeping there or not furnished. Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover.
- Documents
- Home Insurance Product Disclosure Statement (1 July 2026) · Home Key Facts Sheet · Target Market Determination
- Accidental damage is covered only on the higher level (Comprehensive); the lower level (Standard) excludes it.
- Flood is part of the 'Storm, rainwater and flood' insured event.
The policy
“The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“accidental damage under this Insured event if you have selected Standard building and/or contents cover.”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Everyday Insurance (Woolworths) Landlords Insurance (building cover)
- Type
- Landlord · Residential
- Sold
- Not stated
- Building valued as
- Not stated
- Flood
- Included
- Accidental damage
- Not stated
- Left empty
- No cover after 60 days (a few events excepted). Still covered: lightning, earthquake. You must tell the insurer. Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover. Landlord: counts whenever no one lives there, including between tenants.
- Documents
- Landlords Insurance Product Disclosure Statement (1 July 2026)
The policy
“The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“This insurance is distributed and promoted by Woolworths Group Limited ABN 88 000 014 675, Authorised Representative Number 245476 (Everyday Insurance from Woolworths).”
Source: insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf · Confirmed on the insurer's page on 13 November 2026.
The Hollard Insurance Company Pty Ltd: licence
- AFS licence
- 241436 · THE HOLLARD INSURANCE COMPANY PTY LTD
- ABN
- 78090584473
- Licensed since
- 11 March 2004
- Principal business
- North Sydney NSW 2060
- 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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