{
 "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": "real-insurance",
  "name": "Real Insurance",
  "website": "https://www.realinsurance.com.au/",
  "kind": "brand",
  "underwriter": "The Hollard Insurance Company Pty Ltd",
  "underwriter_abn": "78090584473",
  "underwriter_afsl": "241436",
  "lloyds": false,
  "distributor": {
   "name": "Greenstone Financial Services Pty Ltd (trading as Real Insurance)",
   "abn": "53128692884",
   "afsl": "343079",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Real Insurance 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": [
     "Essential",
     "Top"
    ],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement",
      "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf",
      "date": "2026-07-01"
     },
     {
      "title": "Home Key Facts Sheet",
      "url": "https://www.realinsurance.com.au/documents/real-home-key-facts-sheet.pdf",
      "date": "2020-10-13"
     },
     {
      "title": "Target Market Determination",
      "url": "https://www.realinsurance.com.au/documents/real-home-insurance-tmd-september-2021.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436",
      "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436",
       "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=5",
       "page": 5,
       "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313",
       "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://www.realinsurance.com.au/documents/real-home-key-facts-sheet.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://www.realinsurance.com.au/documents/real-home-key-facts-sheet.pdf#page=1",
       "page": 1,
       "document_sha256": "701d4f1223c87c4ca7b26a36c48399a3d2a393e40d6043c5c6c8758249ced05a",
       "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://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.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://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=15",
       "page": 15,
       "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "accidental damage under this Insured event if you have selected Essential building and/or contents cover.",
      "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "accidental damage under this Insured event if you have selected Essential building and/or contents cover.",
       "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=14",
       "page": 14,
       "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313",
       "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://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.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://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=39",
       "page": 39,
       "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Accidental damage is covered only on the higher level (Top); the lower level (Essential) 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": "Unless you tell Real and it agrees to continue cover. While unoccupied the building must also be kept lived-in (lawns, mail, weekly check).",
     "then": null,
     "label": "No cover after 60 days (a few events excepted)"
    },
    "id": "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": "Real Insurance 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://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf",
      "date": "2026-07-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436",
      "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436",
       "url": "https://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf#page=5",
       "page": 5,
       "document_sha256": "2bb9c0f05109d87c1368d6afebb2d2fbdd5e6b62bfa61fc246057dea20cc42a8",
       "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://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.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://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf#page=6",
       "page": 6,
       "document_sha256": "2bb9c0f05109d87c1368d6afebb2d2fbdd5e6b62bfa61fc246057dea20cc42a8",
       "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://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.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://www.realinsurance.com.au/documents/real-landlords-insurance-pds-july-2026.pdf#page=31",
       "page": 31,
       "document_sha256": "2bb9c0f05109d87c1368d6afebb2d2fbdd5e6b62bfa61fc246057dea20cc42a8",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "lightning, earthquake",
     "must_tell": true,
     "conditions": "Unless you tell Real and it agrees to continue cover. While unoccupied the building must also be kept lived-in (lawns, mail, weekly check).",
     "then": null,
     "label": "No cover after 60 days (a few events excepted)"
    },
    "id": "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": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436",
    "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is issued by The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 Australian Financial Services Licence (AFSL) 241436",
     "url": "https://www.realinsurance.com.au/documents/real-home-insurance-pds-july-2026.pdf#page=5",
     "page": 5,
     "document_sha256": "5ff2a4841ef9cc99882b83324cb2324927d788185d2877e7b29781c85f335313",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "All products are promoted and distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), trading as Real Insurance.",
    "url": "https://www.realinsurance.com.au/home-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "All products are promoted and distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), trading as Real Insurance.",
     "url": "https://www.realinsurance.com.au/home-insurance#:~:text=All%20products%20are%20promoted%20and,%28GFS%29%2C%20trading%20as%20Real%20Insurance.",
     "document_sha256": "4c1fff71a7d53bf42143ec9f35a86b252f45960060b6bbb632b1bb87099f55ce",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The key facts sheet linked from Real's site is dated 13 October 2020 (older than the 1 July 2026 PDS); cover basis is quoted from it. The 2026 PDS (rather than the old KFS) was used for flood and accidental damage.",
  "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": "343079",
   "name": "GREENSTONE FINANCIAL SERVICES PTY LTD",
   "abn": "53128692884",
   "acn": null,
   "licensed_since": "2010-06-24",
   "locality": "Norwest NSW 2153",
   "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/real-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/real-insurance.json"
 }
}