{
 "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": "teachers-mutual-bank",
  "name": "Teachers Mutual Bank",
  "website": "https://www.tmbank.com.au/",
  "kind": "brand",
  "underwriter": "Allianz Australia Insurance Limited",
  "underwriter_abn": "15000122850",
  "underwriter_afsl": "234708",
  "lloyds": false,
  "distributor": {
   "name": "Teachers Mutual Bank Limited",
   "abn": "30087650459",
   "afsl": "238981",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Teachers Mutual Bank Home Insurance (home and contents policy, building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Product Disclosure Statement",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open",
      "date": "2024-09-01"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open",
      "date": "2024-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=2",
       "page": 2,
       "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open#page=1",
       "page": 1,
       "document_sha256": "53a55fd2d4ed36926c5bac302b481610fddf8e29bef4e1795549eced95b197f6",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyHomeB4580924/$FILE/KFSALSimplifyHomeB458.pdf?open#page=1",
       "page": 1,
       "document_sha256": "53a55fd2d4ed36926c5bac302b481610fddf8e29bef4e1795549eced95b197f6",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "What does it mean if I take the Accidental Damage cover option? This option can cover you against damage caused by sudden, unforeseen and unintended events",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=7",
       "page": 7,
       "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=58",
       "page": 58,
       "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover is standard; it can be removed only on a renewing policy where Allianz has agreed the property meets eligibility criteria relating to flood risk.",
     "Accidental damage is an optional extra on building cover."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer agreed in writing beforehand (not unreasonably withheld). Lived in means someone eating and sleeping there at least two nights in a row.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "home-insurance-home-and-contents-policy-building-cover",
    "type_label": "Home building",
    "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": "Teachers Mutual Bank Landlord Insurance (building cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open",
      "date": "2024-09-01"
     },
     {
      "title": "Key Facts Sheet - Landlord Building",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open",
      "date": "2024-09-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The insurer of this Landlord Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open#page=2",
       "page": 2,
       "document_sha256": "803768f9a8b8581191ee86dd640bdb68396811886c8718175dc0f966b4bb753c",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy you set the maximum level of cover and your payout is limited to that amount (Sum insured).",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open#page=1",
       "page": 1,
       "document_sha256": "9186e78d39bd6a5fa51df59965eb7f8989d3b5e28050eb584ec894cdb7bf4a43",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Included as standard subject to eligibility criteria. Optional if you don't have flood cover under your renewing policy and you meet specific eligibility criteria relating to the risk of flood at your property. We must also agree that you can opt out.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/KFSALSimplifyLandlordB4580924/$FILE/KFSALSimplifyLandlordB458.pdf?open#page=1",
       "page": 1,
       "document_sha256": "9186e78d39bd6a5fa51df59965eb7f8989d3b5e28050eb584ec894cdb7bf4a43",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
      "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Loss, damage or theft if the buildings have not or will not be lived in for any period in excess of 60 consecutive days, unless you have our prior agreement in writing.",
       "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1390FI102420251221/$FILE/POL1390FI.pdf?open#page=58",
       "page": 58,
       "document_sha256": "803768f9a8b8581191ee86dd640bdb68396811886c8718175dc0f966b4bb753c",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Flood cover is standard; it can be removed only on a renewing policy where Allianz has agreed the property meets eligibility criteria relating to flood risk.",
     "Accidental damage for the landlord policy was not stated in the documents read, so it is left blank."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unless the insurer agreed in writing beforehand (not unreasonably withheld). Lived in means tenants eating and sleeping there at least two nights in a row, so gaps between tenants count.",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "landlord-insurance-building-cover",
    "type_label": "Landlord",
    "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 insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708",
    "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "The insurer of this Home and Contents Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708",
     "url": "https://www.einsure.com.au/wb/public/openPolicyDocument/POL1368FI102420251221/$FILE/POL1368FI.pdf?open#page=2",
     "page": 2,
     "document_sha256": "38d512b112740fca864b6de5ca669c32ba7883a7db49a89f3833fc8535100640",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 (“Bank”). The Bank arranges this insurance as an agent for Allianz.",
    "url": "https://www.allianzsecure.com.au/tmbank/home-insurance.html",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 (“Bank”). The Bank arranges this insurance as an agent for Allianz.",
     "url": "https://www.allianzsecure.com.au/tmbank/home-insurance.html#:~:text=Teachers%20Mutual%20Bank%20is%20a,as%20an%20agent%20for%20Allianz.",
     "document_sha256": "e6066acaa697bd665125ef7024222c2024968f52a8ec2e28edba3a5db8768682",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Teachers Mutual Bank's own insurance page links out to allianzsecure.com.au/tmbank, whose policy documents page lists the same generic Allianz partner PDS (POL1368FI) as IMB. That PDS names no distributor; the distributor statement is quoted from the Allianz-hosted Teachers Mutual Bank page.",
  "segments": [
   "residential"
  ],
  "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": "238981",
   "name": "TEACHERS MUTUAL BANK LIMITED",
   "abn": "30087650459",
   "acn": null,
   "licensed_since": "2004-02-14",
   "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/teachers-mutual-bank/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/teachers-mutual-bank.json"
 }
}