{
 "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": "aant",
  "name": "AANT",
  "website": "https://www.aant.com.au/",
  "kind": "brand",
  "underwriter": "Insurance Australia Limited",
  "underwriter_abn": "11000016722",
  "underwriter_afsl": "227681",
  "lloyds": false,
  "distributor": {
   "name": "Automobile Association of Northern Territory Inc.",
   "abn": "13431478529",
   "afsl": null,
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "AANT Home Insurance (Home Building Standard and Plus)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Home Building Standard",
     "Home Building Plus"
    ],
    "eligibility": "Owners of a private residential building such as a free standing house, townhouse, villa or duplex (TMD).",
    "states": [
     "NT"
    ],
    "documents": [
     {
      "title": "Home Insurance PDS and Policy Booklet (prepared 24 February 2025)",
      "url": "https://www.cgu.com.au/documents/aant/home/pds",
      "date": "2025-02-24"
     },
     {
      "title": "Key Facts Sheet - Home Building (prepared 10 August 2026)",
      "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs",
      "date": "2026-08-10"
     },
     {
      "title": "Target Market Determination - Home Buildings/Contents (IAG TMDHBC006, effective 27 April 2026)",
      "url": "https://www.iag.com.au/tmd/tmdhbc006",
      "date": "2026-04-27"
     }
    ],
    "quotes": {
     "product": {
      "text": "For more comprehensive coverage, consider choosing Home Building Plus when you get a quote.",
      "url": "https://www.aant.com.au/insurance/home/building",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For more comprehensive coverage, consider choosing Home Building Plus when you get a quote.",
       "url": "https://www.aant.com.au/insurance/home/building#:~:text=For%20more%20comprehensive%20coverage%2C%20consider,when%20you%20get%20a%20quote.",
       "document_sha256": "815c2e6b12ca5313a2752c756206cf565bde1d60882f450ae137007974880346",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)",
      "url": "https://www.iag.com.au/tmd/tmdhbc006",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)",
       "url": "https://www.iag.com.au/tmd/tmdhbc006#page=4",
       "page": 4,
       "document_sha256": "b40663432153af308bf40fd1a4070d656460d2af3b806c3d5bc76d7214e463d0",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Home Building Plus gives you: A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired",
      "url": "https://www.aant.com.au/insurance/home/building",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Home Building Plus gives you: A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired",
       "url": "https://www.aant.com.au/insurance/home/building#:~:text=Home%20Building%20Plus%20gives%20you%3A,to%20be%20rebuilt%20or%20repaired",
       "document_sha256": "815c2e6b12ca5313a2752c756206cf565bde1d60882f450ae137007974880346",
       "confirmed": "2026-11-13"
      }
     },
     "buffer_percent": {
      "text": "Safety net If Your Home suffers loss or damage as a result of an Incident We have agreed to cover under ‘Cover for loss or damage to Your Home and Contents’ and the cost to repair or rebuild Your Home is higher than the ‘Building’ Sum Insured, We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.",
      "url": "https://www.cgu.com.au/documents/aant/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Safety net If Your Home suffers loss or damage as a result of an Incident We have agreed to cover under ‘Cover for loss or damage to Your Home and Contents’ and the cost to repair or rebuild Your Home is higher than the ‘Building’ Sum Insured, We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.",
       "url": "https://www.cgu.com.au/documents/aant/home/pds#page=22",
       "page": 22,
       "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes Covered as Flood or Rainwater Run-off.",
      "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes Covered as Flood or Rainwater Run-off.",
       "url": "https://www.cgu.com.au/documents/cgu-partners/home-building/kfs#page=1",
       "page": 1,
       "document_sha256": "48ddf90ed3ae6f5da76eeb2b587b36030603d48a5bc5762e6cf990225dc4e35f",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Accidental damage – at Your Home Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’",
      "url": "https://www.cgu.com.au/documents/aant/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Accidental damage – at Your Home Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’",
       "url": "https://www.cgu.com.au/documents/aant/home/pds#page=23",
       "page": 23,
       "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex",
      "url": "https://www.iag.com.au/tmd/tmdhbc006",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex",
       "url": "https://www.iag.com.au/tmd/tmdhbc006#page=1",
       "page": 1,
       "document_sha256": "b40663432153af308bf40fd1a4070d656460d2af3b806c3d5bc76d7214e463d0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
      "url": "https://www.cgu.com.au/documents/aant/home/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
       "url": "https://www.cgu.com.au/documents/aant/home/pds#page=26",
       "page": 26,
       "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Safety net (extra 25% of the building sum insured) comes with Home Building Plus; Standard cover is a plain sum insured.",
     "Accidental damage at your home is automatically included with Building Plus and optional with Building Standard.",
     "KFS: no flood cover for the first 14 days after taking out the policy."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-insurance-home-building-standard-and-plus",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia 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": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "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": "AANT Landlord Insurance (Landlord Buildings)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of a private residential rental building such as a free standing house, townhouse, villa or duplex (TMD).",
    "states": [
     "NT"
    ],
    "documents": [
     {
      "title": "Landlord Insurance PDS and Policy Booklet (prepared 24 February 2025)",
      "url": "https://www.cgu.com.au/documents/aant/landlord/pds",
      "date": "2025-02-24"
     },
     {
      "title": "Target Market Determination - Landlord Buildings/Contents (IAG TMDLBC007, effective 27 April 2026)",
      "url": "https://www.iag.com.au/tmd/tmdlbc007",
      "date": "2026-04-27"
     }
    ],
    "quotes": {
     "product": {
      "text": "Safeguard your investment Home Insurance Home Landlord Insurance Renting out your property?",
      "url": "https://www.aant.com.au/insurance/home/landlord",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Safeguard your investment Home Insurance Home Landlord Insurance Renting out your property?",
       "url": "https://www.aant.com.au/insurance/home/landlord#:~:text=Safeguard%20your%20investment%20Home%20Insurance,Insurance%20Renting%20out%20your%20property%3F",
       "document_sha256": "39a3cd855e9498198a2ffdac431d50758016d51e567692c3c1bb18e6c5918461",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)",
      "url": "https://www.iag.com.au/tmd/tmdlbc007",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed to be distributed by us or our distributors through the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency, or premises visit)",
       "url": "https://www.iag.com.au/tmd/tmdlbc007#page=3",
       "page": 3,
       "document_sha256": "90b5c640ee91d528e40e6e03094f189d86a83ac813a221534fa60ecf0d3d3ae4",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.",
      "url": "https://www.cgu.com.au/documents/aant/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.",
       "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=18",
       "page": 18,
       "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa",
       "confirmed": "2026-11-13"
      }
     },
     "buffer_percent": {
      "text": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.",
      "url": "https://www.cgu.com.au/documents/aant/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will pay the reasonable extra costs to repair or rebuild Your Rental Property up to 25% of the ‘Building’ Sum Insured. This optional benefit is payable in addition to the ‘Building’ Sum Insured.",
       "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=18",
       "page": 18,
       "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm",
      "url": "https://www.cgu.com.au/documents/aant/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Explosion Fire Flood or Rainwater Run-off Impact Lightning Riot or civil commotion Storm",
       "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=4",
       "page": 4,
       "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex",
      "url": "https://www.iag.com.au/tmd/tmdlbc007",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex",
       "url": "https://www.iag.com.au/tmd/tmdlbc007#page=1",
       "page": 1,
       "document_sha256": "90b5c640ee91d528e40e6e03094f189d86a83ac813a221534fa60ecf0d3d3ae4",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
      "url": "https://www.cgu.com.au/documents/aant/landlord/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
       "url": "https://www.cgu.com.au/documents/aant/landlord/pds#page=19",
       "page": 19,
       "document_sha256": "72e9206be7d252baddca1dbf325731147e2777c579c9bb4881075a45999476aa",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Safety net (extra 25% of the building sum insured) is an optional benefit on landlord policies.",
     "The PDS lists accidental breakage of glass and damage by occupant but no separate optional accidental damage cover for the building, so that field is null.",
     "Policy documents are issued by CGU (Insurance Australia Limited); the KFS used is CGU's generic partner home-building KFS linked from AANT's documents page."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if also not kept in a lived-in state (lawns mowed, mail and newspapers stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "landlord-insurance-landlord-buildings",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia 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": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "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 Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.",
    "url": "https://www.cgu.com.au/documents/aant/home/pds",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 under the CGU brand.",
     "url": "https://www.cgu.com.au/documents/aant/home/pds#page=2",
     "page": 2,
     "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Automobile Association of Northern Territory Inc. (AANT) ABN 13 431 478 529, acts as an authorised representative under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.",
    "url": "https://www.cgu.com.au/documents/aant/home/pds",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Automobile Association of Northern Territory Inc. (AANT) ABN 13 431 478 529, acts as an authorised representative under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681, under the CGU brand in distributing Home Insurance.",
     "url": "https://www.cgu.com.au/documents/aant/home/pds#page=2",
     "page": 2,
     "document_sha256": "c1830930d95a7f7d0686d640e69db4d4594e3d0c66bcad34e779d75aa1c2d213",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "AANT is a distributor (authorised representative); cover is issued by Insurance Australia Limited under the CGU brand. The documents page links an AANT-specific PDS plus a generic CGU partner KFS. No high-value-home product found.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Insurance Australia Limited",
    "abn": "11000016722",
    "afsl": "227681",
    "lloyds": false,
    "slug": "insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "Insurance Australia 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": "227681",
     "name": "INSURANCE AUSTRALIA LIMITED",
     "abn": "11000016722",
     "acn": null,
     "licensed_since": "2003-07-28",
     "locality": "Sydney NSW 2000",
     "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/aant/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/aant.json"
 }
}