{
 "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": "youi",
  "name": "Youi",
  "website": "https://www.youi.com.au/",
  "kind": "insurer",
  "underwriter": "Youi Pty Ltd",
  "underwriter_abn": "79123074733",
  "underwriter_afsl": "316511",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Youi Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Homeowners (owner-occupiers or landlords) of freestanding homes and similar; not apartments/units or strata buildings.",
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement (buildings, contents, landlord)",
      "url": "https://www.youi.com.au/documents/home-pds",
      "date": "2026-07-01"
     },
     {
      "title": "Home Target Market Determination",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "date": "2026-07-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Buildings Insurance is one of the covers available for purchase through Youi's Home Insurance product.",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buildings Insurance is one of the covers available for purchase through Youi's Home Insurance product.",
       "url": "https://www.youi.com.au/tmd/home-insurance#page=3",
       "page": 3,
       "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.",
       "url": "https://www.youi.com.au/tmd/home-insurance#page=11",
       "page": 11,
       "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "you select an overall current replacement value for buildings and for contents.",
      "url": "https://www.youi.com.au/documents/home-pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you select an overall current replacement value for buildings and for contents.",
       "url": "https://www.youi.com.au/documents/home-pds#page=26",
       "page": 26,
       "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "With cover for theft, fire, earthquakes, floods, storms and much more",
      "url": "https://www.youi.com.au/home-insurance/building",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "With cover for theft, fire, earthquakes, floods, storms and much more",
       "url": "https://www.youi.com.au/home-insurance/building#:~:text=With%20cover%20for%20theft%2C%20fire%2C,floods%2C%20storms%20and%20much%20more",
       "document_sha256": "e16c5a0543b6393bf9f7545578a22478e7dc2c6184dc81c07e54838200b71bb6",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "If you have this optional cover, accidental damage to buildings is included as an insured event.",
      "url": "https://www.youi.com.au/documents/home-pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you have this optional cover, accidental damage to buildings is included as an insured event.",
       "url": "https://www.youi.com.au/documents/home-pds#page=54",
       "page": 54,
       "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "The Youi Buildings Insurance product has been designed for homeowners and those with a financial interest in the home who may experience a financial burden should an event damage their home or legal liability arise because of an incident at their home.",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Youi Buildings Insurance product has been designed for homeowners and those with a financial interest in the home who may experience a financial burden should an event damage their home or legal liability arise because of an incident at their home.",
       "url": "https://www.youi.com.au/tmd/home-insurance#page=3",
       "page": 3,
       "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.",
      "url": "https://www.youi.com.au/documents/home-pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.",
       "url": "https://www.youi.com.au/documents/home-pds#page=76",
       "page": 76,
       "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Buildings Accidental Damage is an optional extra that can only be added if you have buildings cover with Youi.",
     "Not suitable for apartments or units, or buildings under strata/body corporate title."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unoccupied means no one eating, sleeping and living there with your permission, or no utilities connected. Amount shown on the policy schedule.",
     "then": null,
     "label": "Extra excess after 60 days"
    },
    "id": "building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Youi Pty Ltd",
      "abn": "79123074733",
      "afsl": "316511",
      "lloyds": false,
      "slug": "youi",
      "apra": {
       "status": "authorised",
       "name": "Youi Pty Ltd",
       "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": "316511",
       "name": "YOUI PTY LTD",
       "abn": "79123074733",
       "acn": null,
       "licensed_since": "2008-03-03",
       "locality": "Sippy Downs QLD 4556",
       "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": "Youi Landlord Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Homeowners who rent out all or part of the home.",
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement (buildings, contents, landlord)",
      "url": "https://www.youi.com.au/documents/home-pds",
      "date": "2026-07-01"
     },
     {
      "title": "Home Target Market Determination",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "date": "2026-07-01"
     }
    ],
    "quotes": {
     "product": {
      "text": "Whether you’re renting out a house, unit or apartment",
      "url": "https://www.youi.com.au/home-insurance/landlord",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Whether you’re renting out a house, unit or apartment",
       "url": "https://www.youi.com.au/home-insurance/landlord#:~:text=Whether%20you%E2%80%99re%20renting%20out%20a%20house%2C%20unit%20or%20apartment",
       "document_sha256": "c980b118acbe488d6b049a32242d1e52fad116fb14acf6c6711679a9a36635ad",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Youi Buildings and/or Contents Insurance can only be purchased from the Youi website or contact centre.",
       "url": "https://www.youi.com.au/tmd/home-insurance#page=11",
       "page": 11,
       "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "you select an overall current replacement value for buildings and for contents.",
      "url": "https://www.youi.com.au/documents/home-pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "you select an overall current replacement value for buildings and for contents.",
       "url": "https://www.youi.com.au/documents/home-pds#page=26",
       "page": 26,
       "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Youi’s landlord insurance covers your property for some severe weather events, such as storms and floods",
      "url": "https://www.youi.com.au/home-insurance/landlord",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Youi’s landlord insurance covers your property for some severe weather events, such as storms and floods",
       "url": "https://www.youi.com.au/home-insurance/landlord#:~:text=Youi%E2%80%99s%20landlord%20insurance%20covers%20your,such%20as%20storms%20and%20floods",
       "document_sha256": "c980b118acbe488d6b049a32242d1e52fad116fb14acf6c6711679a9a36635ad",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "If you have this optional cover, accidental damage to buildings is included as an insured event.",
      "url": "https://www.youi.com.au/documents/home-pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you have this optional cover, accidental damage to buildings is included as an insured event.",
       "url": "https://www.youi.com.au/documents/home-pds#page=54",
       "page": 54,
       "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "These homeowners may be owner-occupiers or landlords (owners that rent out all or part of the home).",
      "url": "https://www.youi.com.au/tmd/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "These homeowners may be owner-occupiers or landlords (owners that rent out all or part of the home).",
       "url": "https://www.youi.com.au/tmd/home-insurance#page=3",
       "page": 3,
       "document_sha256": "3d0dc9c36a776082b6490e286cafd35c95d36e134955ddf293da7cc78702e06d",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.",
      "url": "https://www.youi.com.au/documents/home-pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "An additional excess applies if at the time of the incident covered by your policy the premises has been unoccupied for more than 60 continuous days.",
       "url": "https://www.youi.com.au/documents/home-pds#page=76",
       "page": 76,
       "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Landlord is a cover type within the same Youi Home Insurance PDS as Building cover; loss of rent for up to 12 months is included after an insured event."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Unoccupied means no one eating, sleeping and living there with your permission, or no utilities connected. Amount shown on the policy schedule.",
     "then": null,
     "label": "Extra excess after 60 days"
    },
    "id": "landlord-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Youi Pty Ltd",
      "abn": "79123074733",
      "afsl": "316511",
      "lloyds": false,
      "slug": "youi",
      "apra": {
       "status": "authorised",
       "name": "Youi Pty Ltd",
       "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": "316511",
       "name": "YOUI PTY LTD",
       "abn": "79123074733",
       "acn": null,
       "licensed_since": "2008-03-03",
       "locality": "Sippy Downs QLD 4556",
       "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 product is issued by: Youi Pty Ltd",
    "url": "https://www.youi.com.au/documents/home-pds",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This product is issued by: Youi Pty Ltd",
     "url": "https://www.youi.com.au/documents/home-pds#page=2",
     "page": 2,
     "document_sha256": "b8eb95f87c95fac21051e4dbf2eabcc46b7815004ef9124ad5a33bf0fbb73468",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Youi Pty Ltd is itself an APRA-authorised insurer. One PDS (effective 1 July 2026) covers buildings, contents and landlord; the Product guide shows covered/optional as icons, so flood 'included' is taken from the web page and the Flood insured event section of the PDS.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Youi Pty Ltd",
    "abn": "79123074733",
    "afsl": "316511",
    "lloyds": false,
    "slug": "youi",
    "apra": {
     "status": "authorised",
     "name": "Youi Pty Ltd",
     "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": "316511",
     "name": "YOUI PTY LTD",
     "abn": "79123074733",
     "acn": null,
     "licensed_since": "2008-03-03",
     "locality": "Sippy Downs QLD 4556",
     "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/youi/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/youi.json"
 }
}