{
 "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": "realtyprotect",
  "name": "RealtyProtect",
  "website": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect",
  "kind": "brand",
  "underwriter": "Guild Insurance Limited",
  "underwriter_abn": "55004538863",
  "underwriter_afsl": "233791",
  "lloyds": false,
  "distributor": {
   "name": "360 Landlords Pty Ltd (authorised representative of 360 Underwriting Solutions Pty Ltd)",
   "abn": "99634062972",
   "afsl": "319181",
   "authorised_representative_no": "1288284"
  },
  "products": [
   {
    "name": "RealtyProtect Landlord Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "broker",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Landlords of residential rental property; cover for strata units is for contents, loss of rent and liability only, not the strata building itself.",
    "states": null,
    "documents": [
     {
      "title": "RealtyProtect PDS and Policy Wording (prepared 1 May 2025)",
      "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf",
      "date": "2025-05-01"
     },
     {
      "title": "May 2025 changes summary",
      "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realty_protect_landlord_insurance_derogation_notice_20032025.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "RealtyProtect is a top-tier landlord insurance product with a specialist landlord policy wording",
      "url": "https://www.howdengroup.com/au-en/realtyprotect-agency",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "RealtyProtect is a top-tier landlord insurance product with a specialist landlord policy wording",
       "url": "https://www.howdengroup.com/au-en/realtyprotect-agency#:~:text=RealtyProtect%20is%20a%20top%2Dtier%20landlord,a%20specialist%20landlord%20policy%20wording",
       "document_sha256": "6ec7e8a566aad6e36e75a82b9700492e05eb6fd6050e8549373a834aaba89d37",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Sign up to become a distributor of RealtyProtect. It is a quick and easy online process. Once accepted, you will receive a unique link, just for your agency, to place cover and view your portfolio.",
      "url": "https://www.howdengroup.com/au-en/realtyprotect-agency",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Sign up to become a distributor of RealtyProtect. It is a quick and easy online process. Once accepted, you will receive a unique link, just for your agency, to place cover and view your portfolio.",
       "url": "https://www.howdengroup.com/au-en/realtyprotect-agency#:~:text=Sign%20up%20to%20become%20a,cover%20and%20view%20your%20portfolio.",
       "document_sha256": "6ec7e8a566aad6e36e75a82b9700492e05eb6fd6050e8549373a834aaba89d37",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Building (optional) Up to Sum Insured",
      "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Building (optional) Up to Sum Insured",
       "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect#:~:text=Building%20%28optional%29%20Up%20to%20Sum%20Insured",
       "document_sha256": "fc0a2470e5d5b6d4351f39344729b34f2331faae73accab22eb0f40da2c10568",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood, unless it is shown on your schedule as included.",
      "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood, unless it is shown on your schedule as included.",
       "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "No, it doesn’t cover the Strata building itself.",
      "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "No, it doesn’t cover the Strata building itself.",
       "url": "https://www.howdengroup.com/au-en/landlord-insurance-realtyprotect#:~:text=No%2C%20it%20doesn%E2%80%99t%20cover%20the%20Strata%20building%20itself.",
       "document_sha256": "fc0a2470e5d5b6d4351f39344729b34f2331faae73accab22eb0f40da2c10568",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Any loss or damage to your building or contents if your building has been unoccupied with your knowledge for a period of ninety (90) or more consecutive days, unless you have obtained our written consent and paid any additional premium required by us.",
      "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Any loss or damage to your building or contents if your building has been unoccupied with your knowledge for a period of ninety (90) or more consecutive days, unless you have obtained our written consent and paid any additional premium required by us.",
       "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=19",
       "page": 19,
       "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Building cover is an optional section; flood is excluded unless shown as included on the schedule."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": "earthquake, impact by another object, riot and civil commotion, public disturbance",
     "must_tell": true,
     "conditions": "Only if unoccupied with your knowledge; unless written consent and extra premium. Counts only if unfurnished, without power and no one stayed two nights running in 90 days.",
     "then": null,
     "label": "No cover after 90 days (a few events excepted)"
    },
    "id": "landlord-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Guild Insurance Limited",
      "abn": "55004538863",
      "afsl": "233791",
      "lloyds": false,
      "slug": "guild-insurance",
      "apra": {
       "status": "authorised",
       "name": "Guild Insurance 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": "233791",
       "name": "GUILD INSURANCE LIMITED",
       "abn": "55004538863",
       "acn": null,
       "licensed_since": "2003-12-01",
       "locality": "Melbourne VIC 3000",
       "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": "Guild Insurance Limited trading as Acerta (Guild) ABN 55 004 538 863 is the insurer.",
    "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Guild Insurance Limited trading as Acerta (Guild) ABN 55 004 538 863 is the insurer.",
     "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=3",
     "page": 3,
     "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "360 Landlords Pty Ltd (ABN 99 634 062 972) as an authorised representative (AR 1288284) of 360 Underwriting Solutions Pty Ltd (360uw) ABN 18 120 261 27, AFSL 319181",
    "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "360 Landlords Pty Ltd (ABN 99 634 062 972) as an authorised representative (AR 1288284) of 360 Underwriting Solutions Pty Ltd (360uw) ABN 18 120 261 27, AFSL 319181",
     "url": "https://www.howdengroup.com/sites/australia.howdenprod.com/files/2025-05/realtyprotect_pds_and_policy_wording_may_2025.pdf#page=2",
     "page": 2,
     "document_sha256": "ceba6bc8bfba0e147c1706a042597cd95b41c9aa1f90b94c7e8bbc793d499b75",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Marketed via Howden Australia (an insurance broker); the PDS names 360 Landlords as the distributor. The PDS prints 360 Underwriting's ABN as '18 120 261 27' on the front page and '18 120 261 270' in the body. Channel is a judgement (online portal plus real estate agents).",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Guild Insurance Limited",
    "abn": "55004538863",
    "afsl": "233791",
    "lloyds": false,
    "slug": "guild-insurance",
    "apra": {
     "status": "authorised",
     "name": "Guild Insurance 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": "233791",
     "name": "GUILD INSURANCE LIMITED",
     "abn": "55004538863",
     "acn": null,
     "licensed_since": "2003-12-01",
     "locality": "Melbourne VIC 3000",
     "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": "319181",
   "name": "360 UNDERWRITING SOLUTIONS PTY LTD",
   "abn": "18120261270",
   "acn": null,
   "licensed_since": "2008-03-07",
   "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/realtyprotect/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/realtyprotect.json"
 }
}