{
 "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": "bank-of-melbourne",
  "name": "Bank of Melbourne",
  "website": "https://www.bankofmelbourne.com.au/",
  "kind": "brand",
  "underwriter": "Allianz Australia Insurance Limited",
  "underwriter_abn": "15000122850",
  "underwriter_afsl": "234708",
  "lloyds": false,
  "distributor": {
   "name": "Westpac Banking Corporation (Bank of Melbourne, a division)",
   "abn": "33007457141",
   "afsl": "233714",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Bank of Melbourne Home Insurance (home and contents policy, building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home & Contents Insurance Product Disclosure Statement",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf",
      "date": "2021-11-21"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-building-kfs.pdf",
      "date": "2021-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Compare Bank of Melbourne's award-winning Home Insurance, provided by Allianz.",
      "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Compare Bank of Melbourne's award-winning Home Insurance, provided by Allianz.",
       "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance#:~:text=Compare%20Bank%20of%20Melbourne%27s%20award%2Dwinning%20Home%20Insurance%2C%20provided%20by%20Allianz.",
       "document_sha256": "ae18482c8e68dde93935bbf3315337d816012e9fc0c650ea0a1e5ee8dd7b0c0a",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.",
      "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Tailor your cover and get a quote in minutes, with pre-filled details to make it even easier when you sign in.",
       "url": "https://www.bankofmelbourne.com.au/personal/insurance/home-insurance#:~:text=Tailor%20your%20cover%20and%20get,easier%20when%20you%20sign%20in.",
       "document_sha256": "ae18482c8e68dde93935bbf3315337d816012e9fc0c650ea0a1e5ee8dd7b0c0a",
       "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.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-building-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).",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-building-kfs.pdf#page=1",
       "page": 1,
       "document_sha256": "88c76b23b039925d189a14aec3094e782bcbc88daf5b47733ff7b42b0d462157",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=23",
       "page": 23,
       "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional covers You can also upgrade your policy to include cover for: Accidental damage",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional covers You can also upgrade your policy to include cover for: Accidental damage",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=7",
       "page": 7,
       "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=56",
       "page": 56,
       "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood is an insured event, with a 72-hour wait after you first take out or increase cover.",
     "Accidental damage is an optional extra."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer agreed in writing beforehand (not unreasonably withheld). Lived in means someone eating and sleeping there two consecutive nights.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-insurance-home-and-contents-policy-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Bank of Melbourne Landlord Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf",
      "date": "2021-11-21"
     },
     {
      "title": "Key Facts Sheet - Landlord Building",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-building-kfs.pdf",
      "date": "2021-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf#page=2",
       "page": 2,
       "document_sha256": "5894f506483057cc59ae01e5f676efe5045cd4d91c3bec20b07af7da32e5c2d3",
       "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.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-building-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).",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-building-kfs.pdf#page=1",
       "page": 1,
       "document_sha256": "227ab529c499d83cfefba65b1af384ed24661ded0412bd07fe8f6dad8fd540b3",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood What’s covered? What’s not covered? Buildings and/or contents ✔ Loss or damage caused by: • flood* • flood water*, combined with run-off and rainwater.",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf#page=23",
       "page": 23,
       "document_sha256": "5894f506483057cc59ae01e5f676efe5045cd4d91c3bec20b07af7da32e5c2d3",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-landlord-insurance-pds.pdf#page=54",
       "page": 54,
       "document_sha256": "5894f506483057cc59ae01e5f676efe5045cd4d91c3bec20b07af7da32e5c2d3",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer agreed in writing beforehand. Landlord: lived in means tenants eating and sleeping there; applies if you knew or should have known.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "landlord-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia Insurance 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Home & Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).",
     "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=2",
     "page": 2,
     "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance, but does not guarantee the insurance.",
     "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/insurance/bom-home-contents-insurance-pds.pdf#page=2",
     "page": 2,
     "document_sha256": "c9fae2e0d2aabefa8636b02fc3fae222d66dc936724b3337143fb54aa1e2fb20",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The PDS and key facts sheets on the Westpac Group sites read as 2021 documents (PDS effective 21 November 2021, key facts sheets prepared 1 September 2021) although the page labels them as applying to policies from 21 December 2025 and a pre-21Dec2025 copy is also linked. Westpac, St.George, Bank of Melbourne and BankSA all use the same Allianz policy.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Allianz Australia Insurance Limited",
    "abn": "15000122850",
    "afsl": "234708",
    "lloyds": false,
    "slug": "allianz-australia-insurance",
    "apra": {
     "status": "authorised",
     "name": "Allianz Australia Insurance 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": "234708",
     "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
     "abn": "15000122850",
     "acn": null,
     "licensed_since": "2004-01-05",
     "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": {
   "afsl": "233714",
   "name": "WESTPAC BANKING CORPORATION",
   "abn": "33007457141",
   "acn": null,
   "licensed_since": "2004-02-09",
   "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"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/bank-of-melbourne/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bank-of-melbourne.json"
 }
}