Real Insurance building insurance: what each policy covers, and who underwrites it
2 building policies from Real 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
- realinsurance.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
- Greenstone Financial Services Pty Ltd (trading as Real Insurance) · AFSL 343079
Building policies
Real Insurance Home Insurance (building cover)
- Type
- Home building · Residential
- Sold
- Not stated
- Levels of cover
- Essential, Top
- 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. Unless you tell Real and it agrees to continue cover. While unoccupied the building must also be kept lived-in (lawns, mail, weekly check).
- Documents
- Home Insurance Product Disclosure Statement (1 July 2026) · Home Key Facts Sheet (13 October 2020) · Target Market Determination
- Accidental damage is covered only on the higher level (Top); the lower level (Essential) excludes it.
- Flood is part of the 'Storm, rainwater and flood' insured event.
The policy
“This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436”
Source: realinsurance.com.au/documents/real-home-insurance-pds-july-2026.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: realinsurance.com.au/documents/real-home-key-facts-sheet.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: realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“accidental damage under this Insured event if you have selected Essential building and/or contents cover.”
Source: realinsurance.com.au/documents/real-home-insurance-pds-july-2026.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: realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Real Insurance 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. Unless you tell Real and it agrees to continue cover. While unoccupied the building must also be kept lived-in (lawns, mail, weekly check).
- Documents
- Landlords Insurance Product Disclosure Statement (1 July 2026)
The policy
“This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436”
Source: realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.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: realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.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: realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436”
Source: realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“All products are promoted and distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), trading as Real Insurance.”
Source: realinsurance.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
- 343079 · GREENSTONE FINANCIAL SERVICES PTY LTD
- ABN
- 53128692884
- Licensed since
- 24 June 2010
- Principal business
- Norwest NSW 2153
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
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.