{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "aami",
  "name": "AAMI",
  "website": "https://www.aami.com.au/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "AAMI Home Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owner-occupiers (principal residence or holiday home) of free-standing homes, townhouses, terraces, duplexes and triplexes; not landlords or strata/body corporate buildings.",
    "states": null,
    "documents": [
     {
      "title": "Home Building Insurance Product Disclosure Statement",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf",
      "date": "2024-10-04"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf",
      "date": "2024-10-04"
     },
     {
      "title": "Building and Contents Insurance Target Market Determination",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Home Building Insurance Additional Information Guide",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-aig.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "This policy provides cover for loss or damage to your home (the building).",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This policy provides cover for loss or damage to your home (the building).",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=6",
       "page": 6,
       "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;",
       "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf#page=5",
       "page": 5,
       "document_sha256": "452e93504e6e2fd142b784ec77422962a2afc5d90508aa7cd475a4d5c04c51f0",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured) or you can select to purchase the optional cover that covers all the reasonable costs to rebuild your home (Total replacement).",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured) or you can select to purchase the optional cover that covers all the reasonable costs to rebuild your home (Total replacement).",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf#page=1",
       "page": 1,
       "document_sha256": "a0988762d7a3359ff86c19029780852e50594a0bfe584bdb1c37958b4ead9bb5",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "loss or damage caused by flood if you have removed flood cover.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "loss or damage caused by flood if you have removed flood cover.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=39",
       "page": 39,
       "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "For an extra premium cover can be purchased to cover Accidental Damage at home.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For an extra premium cover can be purchased to cover Accidental Damage at home.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-kfs.pdf#page=1",
       "page": 1,
       "document_sha256": "a0988762d7a3359ff86c19029780852e50594a0bfe584bdb1c37958b4ead9bb5",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own and live in their buildings that are used in the following ways:",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own and live in their buildings that are used in the following ways:",
       "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-building-contents-insurance.pdf#page=4",
       "page": 4,
       "document_sha256": "452e93504e6e2fd142b784ec77422962a2afc5d90508aa7cd475a4d5c04c51f0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=16",
       "page": 16,
       "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-aig.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-aig.pdf#page=2",
       "page": 2,
       "document_sha256": "884a265549c1b4d6e601665ec31fdd021d0f56ad667b5e1a02b5eaf9f47df2b2",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover is included but can be removed; the certificate of insurance shows if it has been removed.",
     "Complete Replacement Cover is an optional extra that replaces the building sum insured with the assessed cost to repair or rebuild; it can only be added or removed at purchase, renewal or when the insured address changes.",
     "Accidental damage at home is an optional cover for an additional premium."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected. AAMI may ask for proof such as utility bills.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "home-building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "AAMI Landlord Insurance (property cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Landlords who own an investment property with a tenant under a rental agreement; not strata/body corporate buildings.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf",
      "date": "2024-10-04"
     },
     {
      "title": "Landlord Insurance Target Market Determination",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Landlord Insurance Additional Information Guide",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-aig.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "This policy provides cover for loss or damage to the building and landlord contents when you’re a landlord and lease the property to tenants.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This policy provides cover for loss or damage to the building and landlord contents when you’re a landlord and lease the property to tenants.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=6",
       "page": 6,
       "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;",
       "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf#page=5",
       "page": 5,
       "document_sha256": "c6307ebc5e00087585edddc76c288917411e4cb366f0b3b7bbef8e8e7c52fecd",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "AAMI offers cover on a sum insured basis or you may be able to choose the option of Complete Replacement Cover ® for the building",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "AAMI offers cover on a sum insured basis or you may be able to choose the option of Complete Replacement Cover ® for the building",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=15",
       "page": 15,
       "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "loss or damage caused by flood if you have removed flood cover.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "loss or damage caused by flood if you have removed flood cover.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=43",
       "page": 43,
       "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own an investment property and require cover for the building that is used as:",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own an investment property and require cover for the building that is used as:",
       "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-landlord-insurance.pdf#page=4",
       "page": 4,
       "document_sha256": "c6307ebc5e00087585edddc76c288917411e4cb366f0b3b7bbef8e8e7c52fecd",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the building hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-insurance-pds.pdf#page=17",
       "page": 17,
       "document_sha256": "55f533dc5c3e9787a9297ef63c123b29136a25b0a4a63cd901c32f5a6787a325",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-aig.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the building or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-landlord-aig.pdf#page=2",
       "page": 2,
       "document_sha256": "5a9f33d3156c6764188a39d5e2730dbcc28c2ddc1ed39463638e5b9f40615046",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Complete Replacement Cover is an optional alternative to a building sum insured (PDS: 'Complete Replacement Cover option').",
     "Tenant Protection is an optional cover.",
     "The PDS lists accidental breakage of glass as a cover but the landlord PDS does not offer an accidental damage cover for the building; accidental damage left null because no clear statement was found."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected, so a vacancy between tenants counts.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "landlord-insurance-property-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "AAMI Business Insurance (Policy Section 1 - Property damage)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Australian-based businesses with turnover under $10m a year that have buildings, contents or stock at the premises.",
    "states": null,
    "documents": [
     {
      "title": "Business Insurance Policy PDS and Policy Wording (A03630)",
      "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf",
      "date": "2024-08-26"
     },
     {
      "title": "Flood Supplementary PDS",
      "url": "https://www.aami.com.au/assets/documents/aami/business/a03822-071223-a-aami-business-insurance-flood-spds.pdf",
      "date": "2023-12-07"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf",
      "date": "2025-06-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "Get cover for your commercial property, contents, and stock against accidental damage and loss or damage from insured events like storm*, fire* and explosions.",
      "url": "https://www.aami.com.au/business-insurance/commercial-property.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get cover for your commercial property, contents, and stock against accidental damage and loss or damage from insured events like storm*, fire* and explosions.",
       "url": "https://www.aami.com.au/business-insurance/commercial-property.html#:~:text=Get%20cover%20for%20your%20commercial,like%20storm%2A%2C%20fire%2A%20and%20explosions.",
       "document_sha256": "5940c00638dbdd34d0007eb6472b8599740eb210f718a46beb6337756d072658",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this product must be conducted through our policy administration system through the following distribution channels: websites; and contact centres;",
      "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this product must be conducted through our policy administration system through the following distribution channels: websites; and contact centres;",
       "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf#page=5",
       "page": 5,
       "document_sha256": "a24b66a0bd184d0fbc8a05ebde5b4ff2d21b198d8c06c6488caa31478e419cdc",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. FLOOD What we cover LOSS or DAMAGE caused by FLOOD",
      "url": "https://www.aami.com.au/assets/documents/aami/business/a03822-071223-a-aami-business-insurance-flood-spds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The following additional Insured Event is added under the heading ‘Insured Events’ in this Policy Section: 12. FLOOD What we cover LOSS or DAMAGE caused by FLOOD",
       "url": "https://www.aami.com.au/assets/documents/aami/business/a03822-071223-a-aami-business-insurance-flood-spds.pdf#page=1",
       "page": 1,
       "document_sha256": "011a7078e8feb06c53d9f06a3e5e7e6cc5e153f10dbb3882d771b27b47a49a6f",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Where your policy schedule shows that you have chosen to insure for ‘Accidental Damage’",
      "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Where your policy schedule shows that you have chosen to insure for ‘Accidental Damage’",
       "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf#page=43",
       "page": 43,
       "document_sha256": "d066f1d1d0d97ee4050b09735280e35e2ce1457ec91ef859c1f117a136c82485",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Customers who operate an Australian-based business on an ongoing basis and have a turnover less than $10m a year;",
      "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Customers who operate an Australian-based business on an ongoing basis and have a turnover less than $10m a year;",
       "url": "https://www.aami.com.au/assets/documents/aami/business/a03794-25-06-25-b-aami-business-insurance-tmd.pdf#page=4",
       "page": 4,
       "document_sha256": "a24b66a0bd184d0fbc8a05ebde5b4ff2d21b198d8c06c6488caa31478e419cdc",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
      "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You are not insured while the building is unoccupied for a period of 60 days or more, unless we agree to insure you.",
       "url": "https://www.aami.com.au/assets/documents/aami/business/aami-business-ins-pds-a03630-260824-b.pdf#page=18",
       "page": 18,
       "document_sha256": "d066f1d1d0d97ee4050b09735280e35e2ce1457ec91ef859c1f117a136c82485",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Property damage is one policy section of the AAMI Business Insurance policy; buildings are covered only if you own them and the section is shown on your schedule.",
     "Flood, bushfire and grass fire are not covered in the first 72 hours of a new policy or when property damage cover is added.",
     "Accidental damage is an insured event only where the schedule shows it was chosen, and is limited to $250,000 or the total insured amounts, whichever is less.",
     "A building used principally as a residence is treated as a home building and falls under a retail TMD."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Counts when unoccupied, or untenanted if you own the building. Unless AAMI agreed in writing (may add premium, conditions or a higher excess).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "business-insurance-policy-section-1-property-damage",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "AAMI Strata Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "direct",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "states": null,
    "documents": [
     {
      "title": "Strata Insurance Product Disclosure Statement",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf",
      "date": "2024-10-15"
     },
     {
      "title": "Strata Insurance Target Market Determination",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-strata-insurance.pdf",
      "date": "2025-06-25"
     },
     {
      "title": "Strata Insurance Additional Information Guide",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-aig.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Comprehensive cover for strata titled buildings (including common property)",
      "url": "https://www.aami.com.au/home-insurance/strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Comprehensive cover for strata titled buildings (including common property)",
       "url": "https://www.aami.com.au/home-insurance/strata#:~:text=Comprehensive%20cover%20for%20strata%20titled%20buildings%20%28including%20common%20property%29",
       "document_sha256": "0fc1bec0ae6972612cb46ca18a557bea578aa160d14183e538b4d3682de245c8",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Call us for a quote",
      "url": "https://www.aami.com.au/home-insurance/strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call us for a quote",
       "url": "https://www.aami.com.au/home-insurance/strata#:~:text=Call%20us%20for%20a%20quote",
       "document_sha256": "0fc1bec0ae6972612cb46ca18a557bea578aa160d14183e538b4d3682de245c8",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf#page=7",
       "page": 7,
       "document_sha256": "2877e3a9be62101f8bc54115dd37f430efd1ca5237e8ff16a61fc731bed0d442",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf#page=7",
       "page": 7,
       "document_sha256": "2877e3a9be62101f8bc54115dd37f430efd1ca5237e8ff16a61fc731bed0d442",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property",
      "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-strata-insurance.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property",
       "url": "https://www.aami.com.au/assets/documents/aami/home/tmd-aami-strata-insurance.pdf#page=3",
       "page": 3,
       "document_sha256": "56dd3434824937dc7af4368d408a3539f7c5a1e404292b1308b71cf8005fa1ee",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Call us for a quote",
      "url": "https://www.aami.com.au/home-insurance/strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call us for a quote",
       "url": "https://www.aami.com.au/home-insurance/strata#:~:text=Call%20us%20for%20a%20quote",
       "document_sha256": "0fc1bec0ae6972612cb46ca18a557bea578aa160d14183e538b4d3682de245c8",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-pds.pdf#page=18",
       "page": 18,
       "document_sha256": "2877e3a9be62101f8bc54115dd37f430efd1ca5237e8ff16a61fc731bed0d442",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "The unoccupied excess is $1,000",
      "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-aig.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The unoccupied excess is $1,000",
       "url": "https://www.aami.com.au/assets/documents/aami/home/aami-strata-insurance-aig.pdf#page=2",
       "page": 2,
       "document_sha256": "8133879a44401e7cb55cb27ba25b3067f80400252c0f818bbc057d5608847fb9",
       "confirmed": "2026-11-13"
      }
     }
    },
    "eligibility": "Body corporates, owners corporations and strata companies (or an owner of a whole multi-dwelling residential building) wanting building and common property cover for small residential strata buildings.",
    "conditions": [
     "Cover is for the strata building and common property, arranged by the body corporate, owners corporation or strata manager; it is not for individual unit owners' contents.",
     "Strata cover for flood, storm, storm surge and tsunami does not start until 72 hours after the policy begins (very limited exceptions).",
     "We don’t offer cover for buildings with more than ten units or separate dwellings, or buildings with more than three storeys or levels."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Applies only when 50% or more of the lots have not been occupied (furnished, lived in, utilities on).",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "strata-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL No. 230859 trading as AAMI",
    "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL No. 230859 trading as AAMI",
     "url": "https://www.aami.com.au/assets/documents/aami/home/aami-home-building-insurance-pds.pdf#page=104",
     "page": 104,
     "document_sha256": "c8ed9fc6fa8e869a95cecb1fcf6bcf66e48bdac1f651334295abc9cf4c4c0edd",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Both PDSs are dated 4 October 2024 (TMDs updated 27 June 2025). Older PDS/KFS files remain on the AAMI policy-documents page; the current files named in the page's main links were used. | The August 2024 PDS (A03630) lists insured events 1-11 with no flood event, and its storm event excludes flood 'unless otherwise covered by a specific endorsement'; the December 2023 Flood SPDS and the website (72-hour flood waiting period) indicate flood is now an insured event. Flood is recorded as included on the strength of the SPDS but the PDS text is not consistent with it. The older 2017 PDS at /aami/documents/business/business-insurance/pds-pol-word-business.pdf is still live and says flood is excluded. The website's commercial property page says 'Call 13 22 44 for a quote'; online quote left null.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "AAI Limited",
    "abn": "48005297807",
    "afsl": "230859",
    "lloyds": false,
    "slug": "aai",
    "apra": {
     "status": "authorised",
     "name": "AAI Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "230859",
     "name": "AAI LIMITED",
     "abn": "48005297807",
     "acn": null,
     "licensed_since": "2003-11-08",
     "locality": "Brisbane QLD 4000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/aami/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/aami.json"
 }
}