{
 "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": "apia",
  "name": "Apia",
  "website": "https://www.apia.com.au/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": {
   "name": "Australian Pensioners Insurance Agency Pty Ltd (trading as Apia)",
   "abn": "14099650996",
   "afsl": null,
   "authorised_representative_no": "239591"
  },
  "products": [
   {
    "name": "Apia Home and Contents Insurance (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [
     "Home and Contents",
     "Home and Contents Extra"
    ],
    "eligibility": "Owner-occupied homes for customers over 50 (or whose partner is); not for tenanted properties let to permanent tenants.",
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Insurance Product Disclosure Statement (prepared 17 February 2025)",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-kfs-ap03514a-21-06-25-a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Target Market Determination - Home and Contents Insurance",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-tmd-ap03845-27-06-25-a-fa.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Home and Contents Insurance Additional Information Guide",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-insurance-aig-ap03265-01-08-26-a-lr.pdf",
      "date": "2026-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "To choose our Home Extra cover, add accidental damage cover when getting a quote online.",
      "url": "https://www.apia.com.au/home-insurance/home-building.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "To choose our Home Extra cover, add accidental damage cover when getting a quote online.",
       "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=To%20choose%20our%20Home%20Extra,when%20getting%20a%20quote%20online.",
       "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*",
      "url": "https://www.apia.com.au/home-insurance/home-building.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*",
       "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Get%20a%20quote%20online%20Retrieve,10%25%20First%20Year%20Online%20Discount%2A",
       "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f",
       "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).",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-kfs-ap03514a-21-06-25-a.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).",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-kfs-ap03514a-21-06-25-a.pdf#page=1",
       "page": 1,
       "document_sha256": "5b8ae54f5a0c49de63fc4d08326660d8921256b279ca91f7c982f577bc616b38",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Loss or damage caused by flood.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage caused by flood.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf#page=45",
       "page": 45,
       "document_sha256": "b76db4c042a67a9441e2aec79acfcaec83270be551210f5aaf4ca5a375470a24",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-tmd-ap03845-27-06-25-a-fa.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-tmd-ap03845-27-06-25-a-fa.pdf#page=2",
       "page": 2,
       "document_sha256": "ba4ecbe9b4d7cf4d40388bd72242586200a004234fdc64588c2d2f5282832401",
       "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 home or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.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 home or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf#page=18",
       "page": 18,
       "document_sha256": "b76db4c042a67a9441e2aec79acfcaec83270be551210f5aaf4ca5a375470a24",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-insurance-aig-ap03265-01-08-26-a-lr.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 $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-insurance-aig-ap03265-01-08-26-a-lr.pdf#page=1",
       "page": 1,
       "document_sha256": "9d5de3f0e10fd44f760f3e3bd33bc68551526239d4982aba536386b60e257533",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Standard Apia Home and Contents cover has no general accidental damage cover (the KFS lists only limited accidental breakage of glass); accidental loss or damage is included only in the separate Home and Contents Extra level (see next product).",
     "No Safety Net-style buffer is described in the PDS; the most payable is the home sum insured unless otherwise stated.",
     "Flood is an insured event and the PDS does not offer removing it."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected.",
     "then": null,
     "label": "Extra $500 excess after 60 days"
    },
    "id": "home-and-contents-insurance-home-building-cover",
    "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": "Apia Home and Contents Extra Insurance (home building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [
     "Home and Contents Extra"
    ],
    "eligibility": "Owner-occupied homes for customers over 50 (or whose partner is); not for tenanted properties let to permanent tenants.",
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Extra Insurance Product Disclosure Statement (prepared 17 February 2025)",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Key Facts Sheet - Home Building (Extra)",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-extra-kfs-ap03512a-21-06-25-a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Target Market Determination - Home and Contents Extra Insurance",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-tmd-ap03847-27-06-25-a-fa.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Home and Contents Extra Insurance Additional Information Guide",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-insurance-aig-ap03266-01-08-26-a-lr.pdf",
      "date": "2026-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Apia Home Extra All the insured events covered by Apia Home Insurance Cover for accidental loss or damage",
      "url": "https://www.apia.com.au/home-insurance/home-building.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Apia Home Extra All the insured events covered by Apia Home Insurance Cover for accidental loss or damage",
       "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Apia%20Home%20Extra%20All%20the,for%20accidental%20loss%20or%20damage",
       "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*",
      "url": "https://www.apia.com.au/home-insurance/home-building.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*",
       "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Get%20a%20quote%20online%20Retrieve,10%25%20First%20Year%20Online%20Discount%2A",
       "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f",
       "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).",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-extra-kfs-ap03512a-21-06-25-a.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).",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-building-extra-kfs-ap03512a-21-06-25-a.pdf#page=1",
       "page": 1,
       "document_sha256": "dcea6c1bfc448a82fe00b8aee01e6f97c00b189de6c7e56b0f48ef02b6d2c7bb",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "We cover the home and contents for accidental loss or damage (see page 102) which includes incidents like storms, floods, and fires (including bushfires).",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We cover the home and contents for accidental loss or damage (see page 102) which includes incidents like storms, floods, and fires (including bushfires).",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "060dd98c69eaa66eda4b4644cc754f7e215c2102b755645a5a53fe280874d480",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "We cover accidental loss or damage (see page 102) to the home at the insured address caused by an incident in the period of insurance.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We cover accidental loss or damage (see page 102) to the home at the insured address caused by an incident in the period of insurance.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf#page=50",
       "page": 50,
       "document_sha256": "060dd98c69eaa66eda4b4644cc754f7e215c2102b755645a5a53fe280874d480",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-tmd-ap03847-27-06-25-a-fa.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Apia products are also targeted at customers who are over 50 years of age (or their partner is).",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-tmd-ap03847-27-06-25-a-fa.pdf#page=2",
       "page": 2,
       "document_sha256": "a2bec0dad516d3ee9db527f6d30e082ef6191451724070ee1067f06c1da238cc",
       "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 home or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.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 home or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-pds-ap02655-21-06-25-a.pdf#page=17",
       "page": 17,
       "document_sha256": "060dd98c69eaa66eda4b4644cc754f7e215c2102b755645a5a53fe280874d480",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-insurance-aig-ap03266-01-08-26-a-lr.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 $500 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-extra-insurance-aig-ap03266-01-08-26-a-lr.pdf#page=1",
       "page": 1,
       "document_sha256": "d97a1b4118c7dfee2f8abfecca25cae8cdc7266137fb5c16b4c1f984a6112b1c",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental loss or damage cover is built into this level (customers choose it by adding accidental damage cover when getting a quote online); the website describes it as the higher level above standard Apia Home Insurance.",
     "Sum insured basis; the PDS shows no Safety Net-style buffer."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished, someone eating and sleeping there, and utilities connected.",
     "then": null,
     "label": "Extra $500 excess after 60 days"
    },
    "id": "home-and-contents-extra-insurance-home-building-cover",
    "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": "Apia Landlord Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners of an investment (tenanted) property, for customers over 50 (or whose partner is).",
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement (prepared 17 February 2025)",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf",
      "date": "2025-02-17"
     },
     {
      "title": "Target Market Determination - Landlord Insurance",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-tmd-ap03849-27-06-25-a-lr.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Landlord Insurance Additional Information Guide",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-insurance-aig-ap03267-01-08-26-a-lr.pdf",
      "date": "2026-08-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Landlord Insurance Loss of rent after tenant default (limits apply, refer to the PDS) Get a quote online",
      "url": "https://www.apia.com.au/home-insurance/landlord.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Landlord Insurance Loss of rent after tenant default (limits apply, refer to the PDS) Get a quote online",
       "url": "https://www.apia.com.au/home-insurance/landlord.html#:~:text=Landlord%20Insurance%20Loss%20of%20rent,PDS%29%20Get%20a%20quote%20online",
       "document_sha256": "94d3fd2de1b1f5fe7e1f29bf093c7ef59249ae48d0163faf1f22cfe9891a9c3f",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*",
      "url": "https://www.apia.com.au/home-insurance/landlord.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote online Retrieve a quote Save 10% First Year Online Discount*",
       "url": "https://www.apia.com.au/home-insurance/landlord.html#:~:text=Get%20a%20quote%20online%20Retrieve,10%25%20First%20Year%20Online%20Discount%2A",
       "document_sha256": "94d3fd2de1b1f5fe7e1f29bf093c7ef59249ae48d0163faf1f22cfe9891a9c3f",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "property sum insured unless we say otherwise in your policy.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "property sum insured unless we say otherwise in your policy.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "44c9390fa8b6e1fe75ff8eff5ae22fd85bc2207142ed673c3984129a61b975b9",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Loss or damage caused by flood.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage caused by flood.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf#page=41",
       "page": 41,
       "document_sha256": "44c9390fa8b6e1fe75ff8eff5ae22fd85bc2207142ed673c3984129a61b975b9",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Apia products are also targeted at Customers who are over 50 years of age (or their partner is).",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-tmd-ap03849-27-06-25-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Apia products are also targeted at Customers who are over 50 years of age (or their partner is).",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-tmd-ap03849-27-06-25-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "5944f74e178433e79f33166bd7c3db6c49b7837d8e0bb5f76f857b7c9314388d",
       "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 property or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.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 property or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-pds-ap02611-21-06-25-a.pdf#page=18",
       "page": 18,
       "document_sha256": "44c9390fa8b6e1fe75ff8eff5ae22fd85bc2207142ed673c3984129a61b975b9",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $500 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-insurance-aig-ap03267-01-08-26-a-lr.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 $500 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/landlord/apia-landlord-insurance-aig-ap03267-01-08-26-a-lr.pdf#page=1",
       "page": 1,
       "document_sha256": "0cf15cbdb4b5685d0aeb5054208a69773d0c3d1f2507d97b2451bf1f703d600d",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The Apia landlord PDS has no optional accidental damage cover and no Safety Net buffer; the most payable per incident is the property sum insured unless stated otherwise."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 500,
     "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 $500 excess after 60 days"
    },
    "id": "landlord-insurance",
    "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": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "AAI Limited has prepared this PDS and is the insurer of the policies referred to under",
    "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "AAI Limited has prepared this PDS and is the insurer of the policies referred to under",
     "url": "https://www.apia.com.au/content/dam/suncorp/apia/documents/home-contents/apia-home-contents-pds-ap02580-21-06-25-a.pdf#page=3",
     "page": 3,
     "document_sha256": "b76db4c042a67a9441e2aec79acfcaec83270be551210f5aaf4ca5a375470a24",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car",
    "url": "https://www.apia.com.au/home-insurance/home-building.html",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car",
     "url": "https://www.apia.com.au/home-insurance/home-building.html#:~:text=Australian%20Pensioners%20Insurance%20Agency%20Pty,issuer%20of%20Home%2C%20Landlord%2C%20Car",
     "document_sha256": "f9837c464cbf8fbafbf0fb73c49d4d8856b37744e8d1e381daec42fa6f8c861f",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Apia targets customers over 50 (or whose partner is). Apia also sells Apartment, Village Style and Assisted Living residence products, not collected here. A July 2026 ASIC update (23 July 2026) to the Home and Contents, Home and Contents Extra and Landlord PDSs changes only escape-of-liquid and legal liability wording.",
  "segments": [
   "residential"
  ],
  "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/apia/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/apia.json"
 }
}