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Home and landlord building insurance in Australia: what each policy covers

104 policies from 55 brands that insure the building of a house or a rental property, one row per policy: how the building is valued, whether flood and accidental damage are covered, and what happens once nobody has lived there for a number of days in a row. Each row also names the insurer that issues the policy, which is often not the brand on it.

Read from each insurer's own documents, checked 16 October 2026. These policies as JSON · JSON · One row per policy · Questions for agents · OpenAPI

What "sum insured", "buffer" and "total replacement" mean

• Sum insured: you choose the most the insurer will pay to rebuild. If rebuilding costs more, the difference is yours.
• Sum insured plus a buffer: the insurer will pay up to a set percentage above your sum insured if rebuilding costs more than you chose.
• Sum insured, optional buffer: a sum insured, with a buffer ("safety net") you can add for a price.
• Choice of basis: the documents offer more than one way to value the building, such as a sum insured or total replacement.
• Total replacement: the insurer rebuilds the home whatever it costs, with no sum insured, subject to the policy's conditions.

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.