{
 "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": "boq-insurance",
  "name": "BOQ Insurance",
  "website": "https://www.boq.com.au/",
  "kind": "brand",
  "underwriter": "Zurich Australian Insurance Limited",
  "underwriter_abn": "13000296640",
  "underwriter_afsl": "232507",
  "lloyds": false,
  "distributor": {
   "name": "Honey Insurance Pty Ltd (underwriting agency; BOQ provides services on behalf of Honey Insurance)",
   "abn": "52643672628",
   "afsl": "528244",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "BOQ Home Insurance (Household 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": "Household Insurance Product Disclosure Statement",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf",
      "date": "2026-08-01"
     },
     {
      "title": "Key Facts Sheet - Home building",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf",
      "date": "2026-08-01"
     },
     {
      "title": "Target Market Determination - Household",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-target-market-determination-household-2610.pdf",
      "date": "2026-10-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Important: From 1 October 2026, BOQ Insurance policies will be underwritten by Zurich Australian Insurance Limited (AFSL 232507).",
      "url": "https://www.boq.com.au/personal/insurance/home-and-contents-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Important: From 1 October 2026, BOQ Insurance policies will be underwritten by Zurich Australian Insurance Limited (AFSL 232507).",
       "url": "https://www.boq.com.au/personal/insurance/home-and-contents-insurance#:~:text=Important%3A%20From%201%20October%202026%2C,Australian%20Insurance%20Limited%20%28AFSL%20232507%29.",
       "document_sha256": "60b4d43a0e45643649a94012037162fcf9fd6bdd2a861fcd11a8d24511c48fd4",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Get a quote in as little as 3 minutes.",
      "url": "https://www.boq.com.au/personal/insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Get a quote in as little as 3 minutes.",
       "url": "https://www.boq.com.au/personal/insurance#:~:text=Get%20a%20quote%20in%20as%20little%20as%203%20minutes.",
       "document_sha256": "d731417d928b4fb1be1bddd36428c24feafba9e098e0b0915ff06fb56af50549",
       "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.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.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.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "bde4df0592e911b0b96ca5579c06506450261f91d3779aa4cc9d4e9212a8901b",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners",
       "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "bde4df0592e911b0b96ca5579c06506450261f91d3779aa4cc9d4e9212a8901b",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional – We cover accidental damage to some items under the optional benefit of Advanced cover.",
       "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-household-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "bde4df0592e911b0b96ca5579c06506450261f91d3779aa4cc9d4e9212a8901b",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your home is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
       "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf#page=99",
       "page": 99,
       "document_sha256": "5baccf86e1be934f37ef3efa54540a892cedb68d79704c41b789bf19dade42df",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental damage is available under the optional benefit 'Advanced cover' (also includes motor burnout)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unoccupied also if someone stays on average less than one night a week. Cover for insured events continues.",
     "then": null,
     "label": "Extra $1,500 excess after 60 days"
    },
    "id": "boq-home-insurance-household-policy-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Zurich Australian Insurance Limited",
      "abn": "13000296640",
      "afsl": "232507",
      "lloyds": false,
      "slug": "zurich-australian-insurance",
      "apra": {
       "status": "authorised",
       "name": "Zurich Australian 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": "232507",
       "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
       "abn": "13000296640",
       "acn": null,
       "licensed_since": "2004-01-31",
       "locality": "North Sydney NSW 2060",
       "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": "BOQ 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.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf",
      "date": null
     },
     {
      "title": "Key Facts Sheet - Landlord building",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.",
       "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf#page=2",
       "page": 2,
       "document_sha256": "fe09657e49fc4acee3d7457049ffd97fd2d97e928d271e45bc96490d9121eaff",
       "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.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.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.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "5530d5a4658274dd81fa0092f1e411fd0ccdb483550d23baa9578412a40e7de6",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes You’re not covered for loss or damage to lawns or grass, swimming pools and spas and their covers and liners",
       "url": "https://www.insurance.boq.com.au/documents/boq-insurance-key-facts-sheet-building-landlord-2610.pdf#page=1",
       "page": 1,
       "document_sha256": "5530d5a4658274dd81fa0092f1e411fd0ccdb483550d23baa9578412a40e7de6",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
      "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If your rental property is unoccupied for more than 60 days and suffers loss or damage from an insured event, then you need to pay a $1,500 excess for each claim you make.",
       "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-landlord-BOQLL-2610.pdf#page=75",
       "page": 75,
       "document_sha256": "fe09657e49fc4acee3d7457049ffd97fd2d97e928d271e45bc96490d9121eaff",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1500,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unoccupied also if someone stays on average less than one night a week, so a vacancy between tenants counts. Cover for insured events continues.",
     "then": null,
     "label": "Extra $1,500 excess after 60 days"
    },
    "id": "boq-landlord-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Zurich Australian Insurance Limited",
      "abn": "13000296640",
      "afsl": "232507",
      "lloyds": false,
      "slug": "zurich-australian-insurance",
      "apra": {
       "status": "authorised",
       "name": "Zurich Australian 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": "232507",
       "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
       "abn": "13000296640",
       "acn": null,
       "licensed_since": "2004-01-31",
       "locality": "North Sydney NSW 2060",
       "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": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.",
    "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640 (“ZAIL”, “we”, “us”, “our”, or “insurer”), AFSL 232507.",
     "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf#page=2",
     "page": 2,
     "document_sha256": "5baccf86e1be934f37ef3efa54540a892cedb68d79704c41b789bf19dade42df",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528244 (Honey Insurance) of PO Box 129, Surry Hills NSW, 2010 distributes and manages your insurance policy.",
    "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528244 (Honey Insurance) of PO Box 129, Surry Hills NSW, 2010 distributes and manages your insurance policy.",
     "url": "https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2610.pdf#page=2",
     "page": 2,
     "document_sha256": "5baccf86e1be934f37ef3efa54540a892cedb68d79704c41b789bf19dade42df",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Changed underwriter on 1 October 2026: policies before that were underwritten by RACQ Insurance Limited (ABN 50 009 704 152, AFSL 233082) per the October 2023 PDS (https://www.insurance.boq.com.au/documents/boq-insurance-product-disclosure-statement-household-BOQHH-2310b.pdf); the October 2026 PDS names Zurich Australian Insurance Limited. Honey Insurance Pty Ltd is an underwriting agency with a binding authority; BOQ is the brand and provides services on behalf of Honey.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Zurich Australian Insurance Limited",
    "abn": "13000296640",
    "afsl": "232507",
    "lloyds": false,
    "slug": "zurich-australian-insurance",
    "apra": {
     "status": "authorised",
     "name": "Zurich Australian 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": "232507",
     "name": "ZURICH AUSTRALIAN INSURANCE LIMITED",
     "abn": "13000296640",
     "acn": null,
     "licensed_since": "2004-01-31",
     "locality": "North Sydney NSW 2060",
     "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": "528244",
   "name": "HONEY INSURANCE PTY LTD",
   "abn": "52643672628",
   "acn": null,
   "licensed_since": "2021-04-30",
   "locality": "The Rocks 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/boq-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/boq-insurance.json"
 }
}