Huddle building insurance: what each policy covers, and who underwrites it
2 building policies from Huddle. 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
- huddle.com.au/
- 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
- Open Insurance Pty Ltd (trading as Huddle Insurance) · AFSL 451712
Building policies
Huddle Home & Contents Insurance (home building)
- Type
- Home building · Residential
- Sold
- Direct
- Levels of cover
- Basic Cover, Comprehensive Cover
- Building valued as
- Sum insured
- Flood
- Included
- Accidental damage
- Optional extra
- Left empty
- No cover after 100 days (a few events excepted). Still covered: lightning, earthquake, tsunami, volcanic eruption. You must tell the insurer. Unless you told Huddle beforehand and it agreed to cover. While unoccupied the home must also be kept lived-in (lawns, mail, weekly check).
- Documents
- Home & Contents Insurance Combined PDS and FSG (15 October 2025) · Huddle Home Key Fact Sheet (15 October 2025) · Home & Contents Insurance TMD (from 2 December 2025) (2 December 2025)
- Accidental damage is covered only on Comprehensive Cover; Basic Cover excludes it.
The policy
“Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.”
Source: api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
How it is sold
“The Product is sold through Open via an online quote-line.”
Source: api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Under this policy you choose the maximum level of cover and your payout is limited to that amount (sum insured).”
Source: api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.”
Source: api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“Comprehensive Cover (our highest level of cover) – you get our Basic Cover plus higher limits and cover for accidental damage”
Source: api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;”
Source: api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Huddle Black Home & Contents Insurance (home building)
- Type
- Home building · Residential
- Sold
- Not stated
- Levels of cover
- Comprehensive Cover
- Building valued as
- Not stated
- Flood
- Included
- Accidental damage
- Included
- Left empty
- No cover after 100 days (a few events excepted). Still covered: lightning, earthquake, tsunami, volcanic eruption. You must tell the insurer. Unless you told Huddle beforehand and it agreed to cover. While unoccupied the home must also be kept lived-in (lawns, mail, weekly check).
- Documents
- Huddle Black Home & Contents Insurance Combined PDS and FSG (15 October 2025)
The policy
“Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.”
Source: api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Insured events Flood Loss or damage caused by flood.”
Source: api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“Under you policy we cover Comprehensive Cover including cover for accidental damage.”
Source: api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;”
Source: api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.”
Source: huddleinsurance.com/au/home-insurance · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.”
Source: huddleinsurance.com/au/home-insurance · 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.
Distributor's licence
- AFS licence
- 451712 · OPEN INSURANCE PTY LTD
- ABN
- 23166949444
- Licensed since
- 21 May 2014
- Principal business
- Sydney NSW 2000
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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