{
 "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": "huddle",
  "name": "Huddle",
  "website": "https://huddle.com.au/",
  "kind": "brand",
  "underwriter": "The Hollard Insurance Company Pty Ltd",
  "underwriter_abn": "78090584473",
  "underwriter_afsl": "241436",
  "lloyds": false,
  "distributor": {
   "name": "Open Insurance Pty Ltd (trading as Huddle Insurance)",
   "abn": "23166949444",
   "afsl": "451712",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Huddle Home & Contents Insurance (home building)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Basic Cover",
     "Comprehensive Cover"
    ],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home & Contents Insurance Combined PDS and FSG",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "date": "2025-10-15"
     },
     {
      "title": "Huddle Home Key Fact Sheet",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf",
      "date": "2025-10-15"
     },
     {
      "title": "Home & Contents Insurance TMD (from 2 December 2025)",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf",
      "date": "2025-12-02"
     }
    ],
    "quotes": {
     "product": {
      "text": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.",
       "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf#page=2",
       "page": 2,
       "document_sha256": "294a0b9ed1a23793c7bad9d299b411482aef4a5fbb9157c5ac8640aac0f30d09",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you choose the maximum level of cover and your payout is limited to that amount (sum insured).",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you choose the maximum level of cover and your payout is limited to that amount (sum insured).",
       "url": "https://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf#page=1",
       "page": 1,
       "document_sha256": "f3ed948e1b365722ee0a73275af72420e0d6040609fa8fa1537b4f2df0629084",
       "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://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.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://api.beopen.com/media/pds/huddle-home/Huddle_Key_fact_sheet_-_building_tDBgqZI.pdf#page=1",
       "page": 1,
       "document_sha256": "f3ed948e1b365722ee0a73275af72420e0d6040609fa8fa1537b4f2df0629084",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Comprehensive Cover (our highest level of cover) – you get our Basic Cover plus higher limits and cover for accidental damage",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Comprehensive Cover (our highest level of cover) – you get our Basic Cover plus higher limits and cover for accidental damage",
       "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf#page=5",
       "page": 5,
       "document_sha256": "294a0b9ed1a23793c7bad9d299b411482aef4a5fbb9157c5ac8640aac0f30d09",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Product is sold through Open via an online quote-line.",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Product is sold through Open via an online quote-line.",
       "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-TMD-Dec-2025.pdf#page=10",
       "page": 10,
       "document_sha256": "c36bb44a3f8eb942b584fcac4d9329fdf44217070fdc3a3055d8496911fd6013",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;",
      "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;",
       "url": "https://api.beopen.com/media/pds/huddle-home/Huddle-Au-Home-Insurance-PDS-Oct-2025.pdf#page=55",
       "page": 55,
       "document_sha256": "294a0b9ed1a23793c7bad9d299b411482aef4a5fbb9157c5ac8640aac0f30d09",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental damage is covered only on Comprehensive Cover; Basic Cover excludes it."
    ],
    "unoccupied": {
     "days": 100,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, tsunami, volcanic eruption",
     "must_tell": true,
     "conditions": "Unless you told Huddle beforehand and it agreed to cover. While unoccupied the home must also be kept lived-in (lawns, mail, weekly check).",
     "then": null,
     "label": "No cover after 100 days (a few events excepted)"
    },
    "id": "home-contents-insurance-home-building",
    "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": "Huddle Black Home & Contents Insurance (home building)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [
     "Comprehensive Cover"
    ],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Huddle Black Home & Contents Insurance Combined PDS and FSG",
      "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "date": "2025-10-15"
     }
    ],
    "quotes": {
     "product": {
      "text": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.",
      "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Huddle Insurance issues this insurance on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL No. 241436.",
       "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=2",
       "page": 2,
       "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Under you policy we cover Comprehensive Cover including cover for accidental damage.",
      "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under you policy we cover Comprehensive Cover including cover for accidental damage.",
       "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=5",
       "page": 5,
       "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Insured events Flood Loss or damage caused by flood.",
      "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Insured events Flood Loss or damage caused by flood.",
       "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=31",
       "page": 31,
       "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;",
      "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "your home being unoccupied for longer than 100 consecutive days. This exclusion will not apply to loss or damage caused by thunderbolt, lightning or earthquake that occurs during the period of unoccupancy;",
       "url": "https://api.beopen.com/media/pds/hudhomeblack/Huddle-Black-Au-Home-Insurance-PDS-Oct-2025.pdf#page=57",
       "page": 57,
       "document_sha256": "2e0ab6b2c931d2b92d54111bbe10711b13e34d31453c6d105962ef532863c742",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 100,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake, tsunami, volcanic eruption",
     "must_tell": true,
     "conditions": "Unless you told Huddle beforehand and it agreed to cover. While unoccupied the home must also be kept lived-in (lawns, mail, weekly check).",
     "then": null,
     "label": "No cover after 100 days (a few events excepted)"
    },
    "id": "black-home-contents-insurance-home-building",
    "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": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.",
    "url": "https://www.huddleinsurance.com/au/home-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.",
     "url": "https://www.huddleinsurance.com/au/home-insurance#:~:text=Our%20car%20and%20home%20insurance,584%20473%2C%20AFSL%20no.%20241436.",
     "document_sha256": "25bce71e6c3f10781bd926289f0eb3e5e5ef0aa6e58fe43b9b059f0eed7bbd61",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.",
    "url": "https://www.huddleinsurance.com/au/home-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Our car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL no. 451712 on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL no. 241436.",
     "url": "https://www.huddleinsurance.com/au/home-insurance#:~:text=Our%20car%20and%20home%20insurance,584%20473%2C%20AFSL%20no.%20241436.",
     "document_sha256": "25bce71e6c3f10781bd926289f0eb3e5e5ef0aa6e58fe43b9b059f0eed7bbd61",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Huddle Insurance is a business name of Open Insurance Pty Ltd, which issues the policy on behalf of Hollard (an agency arrangement; Open acts as agent of Hollard). Telstra is a promoter. Huddle also lists IBO (Amway) variants; no landlord product was found. Huddle Black's cover basis was not read and is left blank. The site's own link text pointed to home PDS dated Oct 2025 with a March 2026 summary of changes.",
  "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": {
   "afsl": "451712",
   "name": "OPEN INSURANCE PTY LTD",
   "abn": "23166949444",
   "acn": null,
   "licensed_since": "2014-05-21",
   "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/huddle/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/huddle.json"
 }
}