{
 "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": "strata-community-insurance",
  "name": "Strata Community Insurance (SCI)",
  "website": "https://stratacommunityinsure.com.au/",
  "kind": "underwriting_agency",
  "underwriter": "Allianz Australia Insurance Limited",
  "underwriter_abn": "15000122850",
  "underwriter_afsl": "234708",
  "lloyds": false,
  "distributor": {
   "name": "Strata Community Insurance Agencies Pty Limited",
   "abn": "72165914009",
   "afsl": "457787",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Strata Community Insurance - Residential Strata",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "both",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owners corporations of residential strata, unit or community title schemes (and company title / build-to-rent property).",
    "states": null,
    "documents": [
     {
      "title": "Strata Insurance PDS & Policy Wording (effective 1 April 2026)",
      "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf",
      "date": "2026-04-01"
     },
     {
      "title": "TMD - Strata: Loss or Damage Cover and Voluntary Workers Cover (1 April 2026)",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf",
      "date": "2026-04-01"
     },
     {
      "title": "Key Changes Summary",
      "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/KeyChangesSummary-SCI-KCS-042026.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Strata Community Insurance provides residential strata insurance backed by Allianz Australia Insurance Limited",
      "url": "https://stratacommunityinsure.com.au/get-insurance/residential/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Strata Community Insurance provides residential strata insurance backed by Allianz Australia Insurance Limited",
       "url": "https://stratacommunityinsure.com.au/get-insurance/residential/#:~:text=Strata%20Community%20Insurance%20provides%20residential,by%20Allianz%20Australia%20Insurance%20Limited",
       "document_sha256": "3a42201f9e41494c475b70a00b0b6789b10f95d7bd8b7bba17fd4cb5c657fa34",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf#page=6",
       "page": 6,
       "document_sha256": "b31771f66bfd3c7d9bbd967232af591d6dd6b1de6619b9eb8b392ab4959bf447",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.",
      "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.",
       "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf#page=31",
       "page": 31,
       "document_sha256": "18afc8999799a4780152019cae4c5c033b600b0d5cdd0ed3448635ab524a36b8",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Residential strata insurance is coverage designed to protect residential properties including apartments, units, and townhouses.",
      "url": "https://stratacommunityinsure.com.au/get-insurance/residential/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Residential strata insurance is coverage designed to protect residential properties including apartments, units, and townhouses.",
       "url": "https://stratacommunityinsure.com.au/get-insurance/residential/#:~:text=Residential%20strata%20insurance%20is%20coverage,including%20apartments%2C%20units%2C%20and%20townhouses.",
       "document_sha256": "3a42201f9e41494c475b70a00b0b6789b10f95d7bd8b7bba17fd4cb5c657fa34",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "The same PDS and policy wording is published for residential and commercial strata."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "residential-strata",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Strata Community Insurance - Commercial Strata",
    "type": "commercial_strata",
    "segment": "commercial",
    "channel": "both",
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Strata schemes with commercial tenancies where the commercial floor space ratio is 20% or greater, including mixed-use schemes with residential units.",
    "states": null,
    "documents": [
     {
      "title": "Strata Insurance PDS & Policy Wording (effective 1 April 2026)",
      "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf",
      "date": "2026-04-01"
     },
     {
      "title": "TMD - Strata: Loss or Damage Cover and Voluntary Workers Cover (1 April 2026)",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf",
      "date": "2026-04-01"
     },
     {
      "title": "Key Changes Summary",
      "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/KeyChangesSummary-SCI-KCS-042026.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Commercial Strata Insurance is designed for strata properties that include commercial tenancies such as shops, restaurants, cafes, or offices",
      "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Commercial Strata Insurance is designed for strata properties that include commercial tenancies such as shops, restaurants, cafes, or offices",
       "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/#:~:text=Commercial%20Strata%20Insurance%20is%20designed,shops%2C%20restaurants%2C%20cafes%2C%20or%20offices",
       "document_sha256": "616b14a305a9cd0cc4c745ed1e06d43a6e3414f837bb784fdd1a1b8749fe32a3",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Product under this TMD may be distributed through any of the following means: • online through relevant websites • other third party distributors and brokers",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf#page=6",
       "page": 6,
       "document_sha256": "b31771f66bfd3c7d9bbd967232af591d6dd6b1de6619b9eb8b392ab4959bf447",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.",
      "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If Flood is shown as included on Your Schedule, We will pay, for Loss or Damage caused by Flood which happens during the Period of Insurance.",
       "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf#page=31",
       "page": 31,
       "document_sha256": "18afc8999799a4780152019cae4c5c033b600b0d5cdd0ed3448635ab524a36b8",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "where the commercial floor space ratio for the scheme is 20% or greater.",
      "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "where the commercial floor space ratio for the scheme is 20% or greater.",
       "url": "https://stratacommunityinsure.com.au/get-insurance/commercial/#:~:text=where%20the%20commercial%20floor%20space,scheme%20is%2020%25%20or%20greater.",
       "document_sha256": "616b14a305a9cd0cc4c745ed1e06d43a6e3414f837bb784fdd1a1b8749fe32a3",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "commercial-strata",
    "type_label": "Commercial strata",
    "issuers": [
     {
      "name": "Allianz Australia Insurance Limited",
      "abn": "15000122850",
      "afsl": "234708",
      "lloyds": false,
      "slug": "allianz-australia-insurance",
      "apra": {
       "status": "authorised",
       "name": "Allianz Australia 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": "234708",
       "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
       "abn": "15000122850",
       "acn": null,
       "licensed_since": "2004-01-05",
       "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"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "The Policy is insured by Allianz Australia Insurance Limited, ABN 15 000 122 850, AFS Licence No. 234708",
    "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The Policy is insured by Allianz Australia Insurance Limited, ABN 15 000 122 850, AFS Licence No. 234708",
     "url": "https://stratacommunityinsure.com.au/wp-content/uploads/2026/03/PDS-Strata-Insurance-Policy-SCI-PPW-042026.pdf#page=5",
     "page": 5,
     "document_sha256": "18afc8999799a4780152019cae4c5c033b600b0d5cdd0ed3448635ab524a36b8",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (the Issuer) through its underwriting agent Strata Community Insurance Agencies Pty Limited ABN 72 165 914 009, AFS Licence No. 457787",
    "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence No. 234708 (the Issuer) through its underwriting agent Strata Community Insurance Agencies Pty Limited ABN 72 165 914 009, AFS Licence No. 457787",
     "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/TMDAGSTT0500426/$FILE/TMDAG_STT050.pdf#page=1",
     "page": 1,
     "document_sha256": "b31771f66bfd3c7d9bbd967232af591d6dd6b1de6619b9eb8b392ab4959bf447",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Allianz's own strata page points to SCI as its strata partner, so Allianz has no separate direct strata product. Also has Community Association products (not listed). Channel 'both' from the TMD, which lists online distribution plus third-party distributors and brokers.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "Allianz Australia Insurance Limited",
    "abn": "15000122850",
    "afsl": "234708",
    "lloyds": false,
    "slug": "allianz-australia-insurance",
    "apra": {
     "status": "authorised",
     "name": "Allianz Australia 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": "234708",
     "name": "ALLIANZ AUSTRALIA INSURANCE LIMITED",
     "abn": "15000122850",
     "acn": null,
     "licensed_since": "2004-01-05",
     "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"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "457787",
   "name": "STRATA COMMUNITY INSURANCE AGENCIES PTY LTD",
   "abn": "72165914009",
   "acn": null,
   "licensed_since": "2014-07-01",
   "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"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/strata-community-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/strata-community-insurance.json"
 }
}