{
 "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": "terri-scheer",
  "name": "Terri Scheer",
  "website": "https://www.terrischeer.com.au/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Terri Scheer Landlord Preferred Policy (landlord and contents; building cover limited to tenant events)",
    "type": "landlord",
    "segment": "residential",
    "channel": "both",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "excluded",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Landlords of professionally managed residential rental property with a long-term tenancy; not for self-managed, short-term/holiday or owner-occupied properties (a separate Self Managed policy exists).",
    "states": null,
    "documents": [
     {
      "title": "Landlord Preferred Policy PDS (policies commenced or renewed on or after 10 August 2024)",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf",
      "date": "2024-08-10"
     },
     {
      "title": "Landlord Preferred Policy TMD (updated 27/06/2025)",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf",
      "date": "2025-06-27"
     },
     {
      "title": "Policy documents index",
      "url": "https://www.terrischeer.com.au/policy-documents",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Covers your rental income and investment by insuring for selected tenant-related risks, including loss of rent and tenant damage to your property and contents.",
      "url": "https://www.terrischeer.com.au/",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Covers your rental income and investment by insuring for selected tenant-related risks, including loss of rent and tenant damage to your property and contents.",
       "url": "https://www.terrischeer.com.au/#:~:text=Covers%20your%20rental%20income%20and,to%20your%20property%20and%20contents.",
       "document_sha256": "274f46d5d3ed893e7ab2f666fffff3639aa94a7d527cfea39a2cf3fd0bbe96db",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf#page=5",
       "page": 5,
       "document_sha256": "5726f72640dd1bea2914a17ed68d9e488b30c992bd29e1743dc7dcf315ec6551",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "building cover for loss or damage to the rental property during the period of insurance as a result of insured events specific to tenants occupying the rental property, limited to pet damage, scorching and tenant damage;",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "building cover for loss or damage to the rental property during the period of insurance as a result of insured events specific to tenants occupying the rental property, limited to pet damage, scorching and tenant damage;",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf#page=3",
       "page": 3,
       "document_sha256": "5726f72640dd1bea2914a17ed68d9e488b30c992bd29e1743dc7dcf315ec6551",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Are landlords of professionally managed (either by a licensed real estate agent or property manager) residential rental property who wish to insure against risks associated with renting out their property.",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Are landlords of professionally managed (either by a licensed real estate agent or property manager) residential rental property who wish to insure against risks associated with renting out their property.",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-preferred-policy-270625a-lr.pdf#page=4",
       "page": 4,
       "document_sha256": "5726f72640dd1bea2914a17ed68d9e488b30c992bd29e1743dc7dcf315ec6551",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf#page=77",
       "page": 77,
       "document_sha256": "e545c9cdb743dfe6fe599197eb617292f827ebdf33d3a9d2d61181d606ce2491",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Building cover is limited to tenant-related events (pet damage, scorching, tenant damage); fire, storm, flood and escape of liquid damage to the building are NOT covered by this product and need a separate building policy.",
     "Contents cover includes flood, but no bushfire, storm, flood or tsunami cover applies in the first 72 hours of the policy."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Applies to loss of rent, contents and tenant-damage cover. Unless agreed beforehand (then a higher excess). No cover at all if vacant with no effort to re-let.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "landlord-preferred-policy-landlord-and-contents-building-cover-limited-to-tenant-events",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "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": "Terri Scheer Landlord Residential Building Insurance Policy",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": "Owners of a self-managed or agent-managed residential rental house or holiday let; not strata title (unless owned by the same owner), not owner-occupied, not buildings with shared grounds or common areas.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Residential Building Insurance PDS (prepared 10 February 2025)",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf",
      "date": "2025-02-10"
     },
     {
      "title": "Landlord Residential Building TMD",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf",
      "date": "2025-06-28"
     },
     {
      "title": "Policy documents index",
      "url": "https://www.terrischeer.com.au/policy-documents",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Cover for loss or damage to your building caused by insured events such as fire (including bushfire), storm or rainwater, flood, impact, escape of liquid, lightning, earthquake or tsunami",
      "url": "https://www.terrischeer.com.au/building-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for loss or damage to your building caused by insured events such as fire (including bushfire), storm or rainwater, flood, impact, escape of liquid, lightning, earthquake or tsunami",
       "url": "https://www.terrischeer.com.au/building-insurance#:~:text=Cover%20for%20loss%20or%20damage,liquid%2C%20lightning%2C%20earthquake%20or%20tsunami",
       "document_sha256": "0b0cd6251cef4e9bac62fa555e567c0f52a1904167ea6bf1698a8f87636ac615",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres;",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf#page=5",
       "page": 5,
       "document_sha256": "27341f06630ca5776b7c967c45733d525de780af25c9b33f2a4a01b0f217cf1e",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "We won’t pay more than the sum insured for your building",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We won’t pay more than the sum insured for your building",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf#page=11",
       "page": 11,
       "document_sha256": "d1f8d88ac0161fcc2a684004becc0c5ac3b00d457cfbe8681e7fe00030b75e4e",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "loss or damage to the customer’s building during the period of insurance caused by a range of insured events including flood, storm or rainwater, fire (including bushfire) or explosion, escape of liquid, and tenant damage;",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "loss or damage to the customer’s building during the period of insurance caused by a range of insured events including flood, storm or rainwater, fire (including bushfire) or explosion, escape of liquid, and tenant damage;",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf#page=3",
       "page": 3,
       "document_sha256": "27341f06630ca5776b7c967c45733d525de780af25c9b33f2a4a01b0f217cf1e",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "We cover the building for accidental loss or damage (for example, breaking or damaging a component of the building) at the insured address during the period of insurance, which is caused by you, your family, or your non-paying guests.",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We cover the building for accidental loss or damage (for example, breaking or damaging a component of the building) at the insured address during the period of insurance, which is caused by you, your family, or your non-paying guests.",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf#page=25",
       "page": 25,
       "document_sha256": "d1f8d88ac0161fcc2a684004becc0c5ac3b00d457cfbe8681e7fe00030b75e4e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "strata title, unless owned by the same owner;",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "strata title, unless owned by the same owner;",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-landlord-residential-building280625b-lr.pdf#page=4",
       "page": 4,
       "document_sha256": "27341f06630ca5776b7c967c45733d525de780af25c9b33f2a4a01b0f217cf1e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied means that the property was vacant for a period of 90 consecutive days or more immediately before loss or damage occurred.",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied means that the property was vacant for a period of 90 consecutive days or more immediately before loss or damage occurred.",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-pds-landlord-residential-ts00012-28-06-25-a.pdf#page=78",
       "page": 78,
       "document_sha256": "d1f8d88ac0161fcc2a684004becc0c5ac3b00d457cfbe8681e7fe00030b75e4e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "No bushfire, storm, flood or tsunami cover in the first 72 hours of the policy (very limited exceptions)."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Applies to building and loss of rent cover. Unless agreed beforehand (then a higher excess). No cover at all if vacant with no effort to re-let.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "landlord-residential-building-insurance-policy",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "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": "Terri Scheer Scheer Short Stay Policy (Holiday Rental Insurance)",
    "type": "landlord",
    "segment": "residential",
    "channel": "both",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Short-stay and holiday rental properties.",
    "states": null,
    "documents": [
     {
      "title": "Short Stay Policy PDS (effective 10 August 2024)",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-scheer-short-stay-policy-product-disclosure-statement-110724.pdf",
      "date": "2024-08-10"
     },
     {
      "title": "Short Stay Policy TMD",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf",
      "date": "2025-06-27"
     }
    ],
    "quotes": {
     "product": {
      "text": "Terri Scheer’s Holiday Rental Insurance can cover landlords against tenant-related risks, including loss of rental income and loss or damage to your building or contents caused by guests.",
      "url": "https://www.terrischeer.com.au/holiday-rental-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Terri Scheer’s Holiday Rental Insurance can cover landlords against tenant-related risks, including loss of rental income and loss or damage to your building or contents caused by guests.",
       "url": "https://www.terrischeer.com.au/holiday-rental-insurance#:~:text=Terri%20Scheer%E2%80%99s%20Holiday%20Rental%20Insurance,or%20contents%20caused%20by%20guests.",
       "document_sha256": "cc3d069a7b3cefe8e8683f639cf565dfe5ac159c0dce8465b7352bc144acf3db",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: – websites; – contact centres; – approved Real Estate Agents and Property Managers; – approved Mortgage Brokers, Financial Planners, Developers and Buyer’s Agents;",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf#page=5",
       "page": 5,
       "document_sha256": "da836c8fe63ac5588a2d045c188568cb527723b0dff8ebdf71030c08b917db1e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Are landlords of professionally managed holiday and shortterm rental properties who wish to insure against risks associated with renting out their property.",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Are landlords of professionally managed holiday and shortterm rental properties who wish to insure against risks associated with renting out their property.",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-tmd-scheer-short-stay-policy-270625.pdf#page=4",
       "page": 4,
       "document_sha256": "da836c8fe63ac5588a2d045c188568cb527723b0dff8ebdf71030c08b917db1e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.",
      "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-scheer-short-stay-policy-product-disclosure-statement-110724.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unoccupied means that the property was vacant for the period of 90 consecutive days or more immediately before loss or damage occurred.",
       "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-scheer-short-stay-policy-product-disclosure-statement-110724.pdf#page=86",
       "page": 86,
       "document_sha256": "cf534f99201fdd9830631861d54978431026f63f2fc3e92bcfa931274a1d2fa5",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Building cover under the holiday policy is limited to tenant damage, pet damage and scorching."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Applies to loss of rent, contents and tenant-damage cover. Unless agreed beforehand (then a higher excess). No cover at all if vacant with no effort to re-let.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "scheer-short-stay-policy-holiday-rental-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI 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": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "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": "AAI Limited ABN 48 005 297 807, AFS Licence No. 230859 trading as Terri Scheer is the insurer and issuer of this insurance policy and PDS.",
    "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "AAI Limited ABN 48 005 297 807, AFS Licence No. 230859 trading as Terri Scheer is the insurer and issuer of this insurance policy and PDS.",
     "url": "https://www.terrischeer.com.au/assets/documents/terrischeer/terri-scheer-landlord-preferred-policy-product-disclosure-statement-110724.pdf#page=4",
     "page": 4,
     "document_sha256": "e545c9cdb743dfe6fe599197eb617292f827ebdf33d3a9d2d61181d606ce2491",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Terri Scheer is a trading name of AAI Limited (Suncorp Group), so it is the insurer itself. Landlord Preferred is sold in a managed and a Self Managed version with the same structure. The Landlord Preferred product does not insure the building against fire/storm/flood (separate Residential Building product does).",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "AAI Limited",
    "abn": "48005297807",
    "afsl": "230859",
    "lloyds": false,
    "slug": "aai",
    "apra": {
     "status": "authorised",
     "name": "AAI 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": "230859",
     "name": "AAI LIMITED",
     "abn": "48005297807",
     "acn": null,
     "licensed_since": "2003-11-08",
     "locality": "Brisbane QLD 4000",
     "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": null,
  "page": "https://deepalmanac.com/au/insurance/building/terri-scheer/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/terri-scheer.json"
 }
}