{
 "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": "everyday-insurance",
  "name": "Everyday Insurance",
  "website": "https://www.woolworths.com.au/insurance",
  "kind": "brand",
  "underwriter": "The Hollard Insurance Company Pty Ltd",
  "underwriter_abn": "78090584473",
  "underwriter_afsl": "241436",
  "lloyds": false,
  "distributor": {
   "name": "Woolworths Group Limited (Everyday Insurance from Woolworths)",
   "abn": "88000014675",
   "afsl": null,
   "authorised_representative_no": "245476"
  },
  "products": [
   {
    "name": "Everyday Insurance (Woolworths) Home Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Standard",
     "Comprehensive"
    ],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
      "date": "2026-07-01"
     },
     {
      "title": "Home Key Facts Sheet",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday-HomeInsurance-TargetMarketDetermination-May26.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=2",
       "page": 2,
       "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy’s Home/Building Cover you set the maximum level of cover and your payout is limited to that amount (sum insured).",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_BuildingKeyFactSheet.pdf#page=1",
       "page": 1,
       "document_sha256": "03349513d61d46ce0e13a0216a92029826bd314f16a6ec4df9a85399df1429f7",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You are covered for loss or damage to your building or contents (as applicable) caused by Storm, rainwater and flood",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=15",
       "page": 15,
       "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "accidental damage under this Insured event if you have selected Standard building and/or contents cover.",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "accidental damage under this Insured event if you have selected Standard building and/or contents cover.",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=12",
       "page": 12,
       "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=41",
       "page": 41,
       "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental damage is covered only on the higher level (Comprehensive); the lower level (Standard) excludes it.",
     "Flood is part of the 'Storm, rainwater and flood' insured event."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake",
     "must_tell": true,
     "conditions": "Unoccupied means nobody living and sleeping there or not furnished. Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover.",
     "then": null,
     "label": "No cover after 60 days (a few events excepted)"
    },
    "id": "woolworths-home-insurance-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "The Hollard Insurance Company Pty Ltd",
      "abn": "78090584473",
      "afsl": "241436",
      "lloyds": false,
      "slug": "hollard-insurance",
      "apra": {
       "status": "authorised",
       "name": "Hollard Insurance Company Pty Ltd (The)",
       "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": "241436",
       "name": "THE HOLLARD INSURANCE COMPANY PTY LTD",
       "abn": "78090584473",
       "acn": null,
       "licensed_since": "2004-03-11",
       "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": "Everyday Insurance (Woolworths) Landlords Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Landlords Insurance Product Disclosure Statement",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf",
      "date": "2026-07-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf#page=2",
       "page": 2,
       "document_sha256": "96b419204a8a56d993ae163eae92495f97aafad4fc7e4a025f8231465c96e702",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "against loss or damage caused by fire and explosion; malicious damage; theft; storm, rainwater and flood; accidental glass breakage",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf#page=5",
       "page": 5,
       "document_sha256": "96b419204a8a56d993ae163eae92495f97aafad4fc7e4a025f8231465c96e702",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;",
      "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "your building being unoccupied for longer than 60 consecutive days. This exclusion will not apply to loss or damage caused by lightning or earthquake that occurs during the period of time in which the building is unoccupied;",
       "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Landlords/UsefulDocumentsLandlords/Everyday_Landlords_Insurance_PDS-Jul-26.pdf#page=29",
       "page": 29,
       "document_sha256": "96b419204a8a56d993ae163eae92495f97aafad4fc7e4a025f8231465c96e702",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake",
     "must_tell": true,
     "conditions": "Keep it in a lived-in state; tell the insurer beforehand and it decides whether to continue cover. Landlord: counts whenever no one lives there, including between tenants.",
     "then": null,
     "label": "No cover after 60 days (a few events excepted)"
    },
    "id": "woolworths-landlords-insurance-building-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "The Hollard Insurance Company Pty Ltd",
      "abn": "78090584473",
      "afsl": "241436",
      "lloyds": false,
      "slug": "hollard-insurance",
      "apra": {
       "status": "authorised",
       "name": "Hollard Insurance Company Pty Ltd (The)",
       "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": "241436",
       "name": "THE HOLLARD INSURANCE COMPANY PTY LTD",
       "abn": "78090584473",
       "acn": null,
       "licensed_since": "2004-03-11",
       "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 Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement",
    "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL no. 241436 (we) has sole responsibility for the Product Disclosure Statement",
     "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=2",
     "page": 2,
     "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "This insurance is distributed and promoted by Woolworths Group Limited ABN 88 000 014 675, Authorised Representative Number 245476 (Everyday Insurance from Woolworths).",
    "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is distributed and promoted by Woolworths Group Limited ABN 88 000 014 675, Authorised Representative Number 245476 (Everyday Insurance from Woolworths).",
     "url": "https://insurance.everyday.com.au/content/dam/Everyday/Insurance/Home/UsefulDocumentsHome/Everyday_Home_Insurance_PDS-Jul-26.pdf#page=75",
     "page": 75,
     "document_sha256": "a0d70c1ffd350d2398a9620f4b6bc7948785b9c8d76420fa962b0a2be56becd7",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Sold on woolworths.com.au/insurance as 'Everyday Insurance' (formerly Woolworths Insurance); the documents are hosted at insurance.everyday.com.au. The Hollard partner-brand page (hollard.com.au/insurance-partners/partner-brands) lists Everyday, Real, Australian Seniors and CBA as its brands. Key facts sheet date not stated on the document read.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "The Hollard Insurance Company Pty Ltd",
    "abn": "78090584473",
    "afsl": "241436",
    "lloyds": false,
    "slug": "hollard-insurance",
    "apra": {
     "status": "authorised",
     "name": "Hollard Insurance Company Pty Ltd (The)",
     "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": "241436",
     "name": "THE HOLLARD INSURANCE COMPANY PTY LTD",
     "abn": "78090584473",
     "acn": null,
     "licensed_since": "2004-03-11",
     "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": null,
  "page": "https://deepalmanac.com/au/insurance/building/everyday-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/everyday-insurance.json"
 }
}