{
 "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": "commbank",
  "name": "CommBank",
  "website": "https://www.commbank.com.au/",
  "kind": "brand",
  "underwriter": "Hollard Insurance Partners Limited",
  "underwriter_abn": "96067524216",
  "underwriter_afsl": "235030",
  "lloyds": false,
  "distributor": {
   "name": "Commonwealth Bank of Australia",
   "abn": "48123123124",
   "afsl": "234945",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "CommBank Home Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Classic Cover",
     "Plus Cover"
    ],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement",
      "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
      "date": "2024-08-11"
     },
     {
      "title": "Key Fact Sheet - Building",
      "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf",
      "date": "2024-03-12"
     },
     {
      "title": "Home Insurance Building TMD",
      "url": "https://www.hollard.com.au/media/wh2aosv2/cba-home-building-tmd.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.",
      "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.",
       "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=2",
       "page": 2,
       "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Gap cover (see pages 34 - 35) Not covered Up to 25% of your sum(s) insured",
      "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Gap cover (see pages 34 - 35) Not covered Up to 25% of your sum(s) insured",
       "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=13",
       "page": 13,
       "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.",
      "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood Yes Excludes loss or damage to retaining and/or freestanding outdoor walls, or to loose surfaces of paths and driveways.",
       "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf#page=1",
       "page": 1,
       "document_sha256": "0b36edb558cad72732b701ab44e02b6ba3926fa1309753d0d835eb01b9273de2",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "unless you have taken out the Optional Cover ‘Accidental damage’",
      "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "unless you have taken out the Optional Cover ‘Accidental damage’",
       "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=20",
       "page": 20,
       "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your home will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:",
      "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your home will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:",
       "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=52",
       "page": 52,
       "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Classic cover is sum insured only; Plus cover adds 'Gap cover' of up to 25% of the sum insured.",
     "Accidental damage is an optional cover."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "fire, storm, rainwater and flood, lightning, earthquake, tsunami, volcanic eruption, impact",
     "must_tell": true,
     "conditions": "Must keep it looking lived in (lawns, mail stopped, weekly check). For over 120 days tell CommBank in advance; cover then continues only if it agrees in writing.",
     "then": {
      "days": 120,
      "effect": "no_cover"
     },
     "label": "Some events not covered after 60 days; no cover at all after 120 days"
    },
    "id": "home-insurance-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Hollard Insurance Partners Limited",
      "abn": "96067524216",
      "afsl": "235030",
      "lloyds": false,
      "slug": "hollard-insurance-partners",
      "apra": {
       "status": "authorised",
       "name": "Hollard Insurance Partners 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": "235030",
       "name": "HOLLARD INSURANCE PARTNERS LIMITED",
       "abn": "96067524216",
       "acn": null,
       "licensed_since": "2003-12-01",
       "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": "CommBank Landlord Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement",
      "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.",
      "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.",
       "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf#page=2",
       "page": 2,
       "document_sha256": "5d7eebab9f6546674aface448618e85d127101f4b994e9797e44cdc5bd684154",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your building will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:",
      "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your building will be unoccupied for longer than a period of 60 consecutive days, cover for your building and/or contents will be restricted to the following Insured Events only:",
       "url": "https://www.hollard.com.au/media/hklfdqcn/cba-landlord-pds.pdf#page=40",
       "page": 40,
       "document_sha256": "5d7eebab9f6546674aface448618e85d127101f4b994e9797e44cdc5bd684154",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 60,
     "effect": "reduced_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "storm, rainwater and flood, lightning, earthquake, tsunami, volcanic eruption, impact",
     "must_tell": true,
     "conditions": "Must keep it looking lived in. Over 120 days tell CommBank in advance or a claim may be reduced to nil. PDS lists fire as covered in one section but not the exclusion.",
     "then": null,
     "label": "Some events not covered after 60 days"
    },
    "id": "landlord-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Hollard Insurance Partners Limited",
      "abn": "96067524216",
      "afsl": "235030",
      "lloyds": false,
      "slug": "hollard-insurance-partners",
      "apra": {
       "status": "authorised",
       "name": "Hollard Insurance Partners 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": "235030",
       "name": "HOLLARD INSURANCE PARTNERS LIMITED",
       "abn": "96067524216",
       "acn": null,
       "licensed_since": "2003-12-01",
       "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": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.",
    "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is provided by Hollard Insurance Partners Limited (Hollard), ABN 96 067 524 216, Australian Financial Services Licence (AFSL) 235030.",
     "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=2",
     "page": 2,
     "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "This insurance is distributed by the Commonwealth Bank of Australia (CBA) AFSL 234945.",
    "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is distributed by the Commonwealth Bank of Australia (CBA) AFSL 234945.",
     "url": "https://www.hollard.com.au/media/a14fa00k/cba-home-pds.pdf#page=2",
     "page": 2,
     "document_sha256": "0423a8cef799b0dd8daf9f577c2a6f3cfc8d7e3384752a9e48b1cc0721d54966",
     "confirmed": "2026-11-13"
    }
   },
   "distributor_abn": {
    "text": "Distributed by: Commonwealth Bank of Australia, ABN 48 123 123 124, AFSL No. 234945.",
    "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Distributed by: Commonwealth Bank of Australia, ABN 48 123 123 124, AFSL No. 234945.",
     "url": "https://www.hollard.com.au/media/st0pxwxz/cba-home-building-kfs.pdf#page=2",
     "page": 2,
     "document_sha256": "0b36edb558cad72732b701ab44e02b6ba3926fa1309753d0d835eb01b9273de2",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "CBA's insurer is Hollard Insurance Partners Limited (ABN 96 067 524 216), not The Hollard Insurance Company Pty Ltd (used for Real, Seniors, Everyday and Huddle). PDS dated 11 August 2024 and key facts sheet 12 March 2024 are the current files linked from commbank.com.au/insurance/brochures-forms.html. Landlord cover basis, flood and accidental damage were not read and are left blank.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Hollard Insurance Partners Limited",
    "abn": "96067524216",
    "afsl": "235030",
    "lloyds": false,
    "slug": "hollard-insurance-partners",
    "apra": {
     "status": "authorised",
     "name": "Hollard Insurance Partners 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": "235030",
     "name": "HOLLARD INSURANCE PARTNERS LIMITED",
     "abn": "96067524216",
     "acn": null,
     "licensed_since": "2003-12-01",
     "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": "234945",
   "name": "COMMONWEALTH BANK OF AUSTRALIA",
   "abn": "48123123124",
   "acn": null,
   "licensed_since": "2003-12-01",
   "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/commbank/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/commbank.json"
 }
}