{
 "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": "dsh-insurance",
  "name": "DSH Insurance (Defence Service Homes)",
  "website": "https://www.dsh.gov.au/insurance",
  "kind": "insurer",
  "underwriter": "Defence Service Homes Insurance Scheme",
  "underwriter_abn": "97191187638",
  "underwriter_afsl": null,
  "lloyds": false,
  "government": true,
  "distributor": null,
  "quotes": {
   "underwriter": {
    "text": "‘we’ or ‘our’ or ‘us’ means the Defence Service Homes Insurance Scheme.",
    "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "‘we’ or ‘our’ or ‘us’ means the Defence Service Homes Insurance Scheme.",
     "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=4",
     "page": 4,
     "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100",
     "confirmed": "2026-11-13"
    }
   }
  },
  "products": [
   {
    "name": "DSH Home Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Current and former Australian Defence Force members, and widows or widowers of members, who own the property.",
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf",
      "date": "2020-09-01"
     },
     {
      "title": "Key Facts Sheet",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/buildingkfs.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Our comprehensive home building insurance covers your home (or your rental property) as well as building and structural improvements such as garages, domestic outbuildings, pergolas, fences, swimming pools, concrete paths and paving.",
      "url": "https://www.dsh.gov.au/insurance/home-building",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our comprehensive home building insurance covers your home (or your rental property) as well as building and structural improvements such as garages, domestic outbuildings, pergolas, fences, swimming pools, concrete paths and paving.",
       "url": "https://www.dsh.gov.au/insurance/home-building#:~:text=Our%20comprehensive%20home%20building%20insurance,pools%2C%20concrete%20paths%20and%20paving.",
       "document_sha256": "de23261acfcc801e4fdd3671855d67a865c911d0011d839487edf8deb731c869",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product can only be sold via Defence Service Homes Insurance Scheme, ABN 97 191 187 638.",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product can only be sold via Defence Service Homes Insurance Scheme, ABN 97 191 187 638.",
       "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf#page=3",
       "page": 3,
       "document_sha256": "9d7812545c352e08243ea011a07d88a82b21dcc7ed887ff4ed1335d018a2ec40",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Your sum insured for Part 1: Home Building is the total amount that you insure the home for, using the calculation below. We calculate this amount and show it on your certificate.",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your sum insured for Part 1: Home Building is the total amount that you insure the home for, using the calculation below. We calculate this amount and show it on your certificate.",
       "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=6",
       "page": 6,
       "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "We insure you for loss or damage to the home caused by flood, or a tidal wave, or the action of the sea.",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We insure you for loss or damage to the home caused by flood, or a tidal wave, or the action of the sea.",
       "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=10",
       "page": 10,
       "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Loss or damage to the home that is accidental and directly caused by a sudden and unexpected event.",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/buildingkfs.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss or damage to the home that is accidental and directly caused by a sudden and unexpected event.",
       "url": "https://www.dsh.gov.au/sites/default/files/2023-07/buildingkfs.pdf#page=1",
       "page": 1,
       "document_sha256": "16ca52928e6c80c2f1d42835401cda9ee9f53d23ad1de4df92e1dc98999f2ddd",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "If you have ever served in the Australian Defence Force (for one day or more) or you are the widow/widower of someone who has ever served in the Australian Defence Force (one day or more), and you are the owner of the property, you are eligible for DSH Insurance Home Building Insurance.",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you have ever served in the Australian Defence Force (for one day or more) or you are the widow/widower of someone who has ever served in the Australian Defence Force (one day or more), and you are the owner of the property, you are eligible for DSH Insurance Home Building Insurance.",
       "url": "https://www.dsh.gov.au/sites/default/files/2023-07/home-building-tmd.pdf#page=1",
       "page": 1,
       "document_sha256": "9d7812545c352e08243ea011a07d88a82b21dcc7ed887ff4ed1335d018a2ec40",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "the home is going to be unoccupied for more than 90 consecutive days, or",
      "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the home is going to be unoccupied for more than 90 consecutive days, or",
       "url": "https://www.dsh.gov.au/sites/default/files/2023-07/building-insurance-pds.pdf#page=7",
       "page": 7,
       "document_sha256": "2cbb9aaec2345310d84355c1d83c513bcb47698bc39bd7842493464f54b59100",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The same policy covers a home you live in or a rental property.",
     "Only for people eligible under the Defence Service Homes Act 1918."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "may_refuse",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Applies only if you did not tell DSH before the home became unoccupied.",
     "then": null,
     "label": "Cover may be refused after 90 days"
    },
    "id": "dsh-home-building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Defence Service Homes Insurance Scheme",
      "abn": "97191187638",
      "afsl": null,
      "lloyds": false,
      "slug": "defence-service-homes-insurance-scheme",
      "apra": {
       "status": "government",
       "name": null,
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": null
     }
    ]
   }
  ],
  "curation_notes": "Found through ARPC's cyclone pool listing (discovery only). A Commonwealth scheme, not on APRA's register of general insurers. The PDS on the site is effective 1 September 2020.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Defence Service Homes Insurance Scheme",
    "abn": "97191187638",
    "afsl": null,
    "lloyds": false,
    "slug": "defence-service-homes-insurance-scheme",
    "apra": {
     "status": "government",
     "name": null,
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": null
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/dsh-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/dsh-insurance.json"
 }
}