{ "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.", "checked": "2026-10-16", "null_means_not_stated": "A null means the documents read for that policy do not state it, not that it is not covered or has no rule. The answer for a null is in the policy's PDS, linked from its brand file (url).", "what_this_is": "One row per brand and building policy on the apartment and unit buildings (strata) page (https://deepalmanac.com/au/insurance/building/strata/) only: 26 policies from 16 brands, for questions across brands (which home policies include flood, who covers a home left empty for 90 days, which brands one insurer underwrites). Each value is read from the policy's own documents; the sentence it was read from, the documents and the licence details are in the brand file at url, keyed by product_id.", "fields": { "type": "The policy type, as in building-insurance.json products[].type. Its segment is in segments, and the page that lists it (home, strata, commercial or industrial) in pages.", "underwriter": "The insurer that issues the policy (underwriter_slug as in underwriters.json). Several, joined by '; ', where the policy is written for a panel; name each one.", "apra": "APRA status of each underwriter, in the same order: authorised: Authorised by APRA to write new general insurance; lloyds: Lloyd's underwriters, which APRA lists separately; run_off: Authorised by APRA for run-off only (no new business); revoked: APRA authorisation revoked; government: A government scheme, not on APRA's register; not_found: Not found on APRA's register.", "cover_basis": "sum_insured: Sum insured, sum_insured_buffer: Sum insured plus a buffer, total_replacement: Total replacement, choice: Choice of basis. Read for residential policies.", "flood": "included: Included, optional: Optional extra, excluded: Not covered, included_can_remove: Included, can be removed.", "accidental_damage": "included: Included, optional: Optional extra, excluded: Not covered, included_can_remove: Included, can be removed.", "unoccupied_days": "Consecutive days empty before the policy's unoccupied rule applies. Below it the policy is unaffected.", "unoccupied_effect": "What happens past unoccupied_days, and any harsher second period after it. What counts as occupied is in the brand file's products[].unoccupied.conditions.", "unoccupied_first_effect": "What happens at unoccupied_days, as a code: no_cover (No cover), may_refuse (Cover may be refused), reduced_cover (Some events not covered), extra_excess (Extra excess), insurer_may_change (Tell the insurer), not_accepted (Outside who the policy is for), covered (Still covered). Null means the documents read state no rule. extra_excess is the most common and keeps the cover; filter on unoccupied_cover_stops_days for when it ends.", "unoccupied_cover_stops_days": "The consecutive days empty after which cover stops: unoccupied_days where the first effect is no_cover, else the day of a second period whose effect is no_cover. Null means the documents read state no such day, not that cover never stops. A policy is still covered for a home empty N days when unoccupied_cover_stops_days is null or above N (check unoccupied_first_effect for any extra excess or events lost from unoccupied_days on, and the PDS for a null)." }, "segments": { "residential": [ "high_value_home", "home_building", "landlord", "residential_strata" ], "commercial": [ "business_property", "commercial_landlord", "commercial_strata", "office_pack", "retail_pack" ], "industrial": [ "industrial_property", "isr" ] }, "pages": { "home": { "page": "https://deepalmanac.com/au/insurance/building/home/", "summary": "https://deepalmanac.com/au/insurance/building/v1/summary/home.json", "types": [ "home_building", "landlord", "high_value_home" ] }, "strata": { "page": "https://deepalmanac.com/au/insurance/building/strata/", "summary": "https://deepalmanac.com/au/insurance/building/v1/summary/strata.json", "types": [ "residential_strata", "commercial_strata" ] }, "commercial": { "page": "https://deepalmanac.com/au/insurance/building/commercial/", "summary": "https://deepalmanac.com/au/insurance/building/v1/summary/commercial.json", "types": [ "business_property", "commercial_landlord", "office_pack", "retail_pack" ] }, "industrial": { "page": "https://deepalmanac.com/au/insurance/building/industrial/", "summary": "https://deepalmanac.com/au/insurance/building/v1/summary/industrial.json", "types": [ "isr", "industrial_property" ] } }, "row_count": 26, "rows": [ {"brand_label":"AAMI","slug":"aami","product_id":"strata-insurance","type":"residential_strata","underwriter":"AAI Limited","underwriter_slug":"aai","apra":"authorised","cover_basis":null,"flood":"included","accidental_damage":"included","unoccupied_days":60,"unoccupied_effect":"Extra $1,000 excess","unoccupied_first_effect":"extra_excess","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/aami.json"}, {"brand_label":"Axis Underwriting Services","slug":"axis","product_id":"residential-strata-insurance-policy","type":"residential_strata","underwriter":"XL Insurance Company SE","underwriter_slug":"xl-insurance","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":"included","unoccupied_days":90,"unoccupied_effect":"No cover (a few events excepted)","unoccupied_first_effect":"no_cover","unoccupied_cover_stops_days":90,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/axis.json"}, {"brand_label":"Axis Underwriting Services","slug":"axis","product_id":"commercial-strata-insurance-policy","type":"commercial_strata","underwriter":"Certain underwriters at Lloyd's; HDI Global Specialty SE; Lancashire Underwriting Australia Pty Ltd","underwriter_slug":"lloyds; hdi-global-specialty; lancashire-underwriting-australia","apra":"lloyds; authorised; not_found","cover_basis":null,"flood":null,"accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/axis.json"}, {"brand_label":"Axis Underwriting Services","slug":"axis","product_id":"commercial-strata-insurance-policy-axl-mixed-tenancy","type":"commercial_strata","underwriter":"XL Insurance Company SE","underwriter_slug":"xl-insurance","apra":"authorised","cover_basis":null,"flood":null,"accidental_damage":null,"unoccupied_days":90,"unoccupied_effect":"No cover (a few events excepted)","unoccupied_first_effect":"no_cover","unoccupied_cover_stops_days":90,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/axis.json"}, {"brand_label":"CGU","slug":"cgu","product_id":"commercial-strata-insurance","type":"commercial_strata","underwriter":"CGU Australia Pty Ltd","underwriter_slug":"cgu-australia","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/cgu.json"}, {"brand_label":"CHU Underwriting Agencies","slug":"chu","product_id":"residential-strata-insurance-plan-qm562","type":"residential_strata","underwriter":"QBE Insurance (Australia) Limited","underwriter_slug":"qbe-insurance-australia","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/chu.json"}, {"brand_label":"CHU Underwriting Agencies","slug":"chu","product_id":"commercial-strata-insurance-plan-qm569","type":"commercial_strata","underwriter":"QBE Insurance (Australia) Limited","underwriter_slug":"qbe-insurance-australia","apra":"authorised","cover_basis":null,"flood":null,"accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/chu.json"}, {"brand_label":"Flex Insurance","slug":"flex","product_id":"flexible-residential-strata-plan-insurance-flex","type":"residential_strata","underwriter":"Certain underwriters at Lloyd's; QBE Insurance (Australia) Limited","underwriter_slug":"lloyds; qbe-insurance-australia","apra":"lloyds; authorised","cover_basis":null,"flood":"included_can_remove","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":"Extra $2,500 excess","unoccupied_first_effect":"extra_excess","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/flex.json"}, {"brand_label":"Flex Insurance","slug":"flex","product_id":"complex-strata-insurance","type":"commercial_strata","underwriter":"Certain underwriters at Lloyd's; QBE Insurance (Australia) Limited","underwriter_slug":"lloyds; qbe-insurance-australia","apra":"lloyds; authorised","cover_basis":null,"flood":"included_can_remove","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":"Extra $5,000 excess","unoccupied_first_effect":"extra_excess","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/flex.json"}, {"brand_label":"GIO","slug":"gio","product_id":"strata-insurance","type":"residential_strata","underwriter":"AAI Limited","underwriter_slug":"aai","apra":"authorised","cover_basis":null,"flood":"included","accidental_damage":"included","unoccupied_days":60,"unoccupied_effect":"Extra $1,000 excess","unoccupied_first_effect":"extra_excess","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/gio.json"}, {"brand_label":"Hutch Underwriting","slug":"hutch","product_id":"residential-strata-plan","type":"residential_strata","underwriter":"Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)","underwriter_slug":"lloyds","apra":"lloyds","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":60,"unoccupied_effect":"No cover","unoccupied_first_effect":"no_cover","unoccupied_cover_stops_days":60,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/hutch.json"}, {"brand_label":"Hutch Underwriting","slug":"hutch","product_id":"commercial-strata","type":"commercial_strata","underwriter":"Certain underwriters at Lloyd's (led by Arch Underwriting at Lloyd's (Australia) Pty Ltd, Syndicate 2012)","underwriter_slug":"lloyds","apra":"lloyds","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":60,"unoccupied_effect":"Tell the insurer","unoccupied_first_effect":"insurer_may_change","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/hutch.json"}, {"brand_label":"Insurance Investment Solutions","slug":"insurance-investment-solutions","product_id":"isstrata-residential-strata-insurance-lloyd-s-edition","type":"residential_strata","underwriter":"Certain underwriters at Lloyd's","underwriter_slug":"lloyds","apra":"lloyds","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/insurance-investment-solutions.json"}, {"brand_label":"Insurance Investment Solutions","slug":"insurance-investment-solutions","product_id":"isstrata-commercial-strata-insurance-lloyd-s-edition","type":"commercial_strata","underwriter":"Certain underwriters at Lloyd's","underwriter_slug":"lloyds","apra":"lloyds","cover_basis":null,"flood":null,"accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/insurance-investment-solutions.json"}, {"brand_label":"Longitude Insurance","slug":"longitude","product_id":"residential-strata-insurance","type":"residential_strata","underwriter":"Chubb Insurance Australia Limited","underwriter_slug":"chubb-insurance-australia","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/longitude.json"}, {"brand_label":"Longitude Insurance","slug":"longitude","product_id":"commercial-strata-insurance","type":"commercial_strata","underwriter":"Chubb Insurance Australia Limited","underwriter_slug":"chubb-insurance-australia","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/longitude.json"}, {"brand_label":"NRMA Insurance","slug":"nrma-insurance","product_id":"residential-strata-insurance","type":"residential_strata","underwriter":"Insurance Australia Limited","underwriter_slug":"insurance-australia","apra":"authorised","cover_basis":null,"flood":"included_can_remove","accidental_damage":"included","unoccupied_days":60,"unoccupied_effect":"No cover","unoccupied_first_effect":"no_cover","unoccupied_cover_stops_days":60,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/nrma-insurance.json"}, {"brand_label":"QUS (Quality Underwriting Services)","slug":"qus","product_id":"strata-select-residential-strata","type":"residential_strata","underwriter":"Certain underwriters at Lloyd's","underwriter_slug":"lloyds","apra":"lloyds","cover_basis":null,"flood":"excluded","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/qus.json"}, {"brand_label":"QUS (Quality Underwriting Services)","slug":"qus","product_id":"strata-select-commercial-strata","type":"commercial_strata","underwriter":"Certain underwriters at Lloyd's","underwriter_slug":"lloyds","apra":"lloyds","cover_basis":null,"flood":"excluded","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/qus.json"}, {"brand_label":"RACT","slug":"ract","product_id":"strata-building-insurance","type":"residential_strata","underwriter":"RACT Insurance Pty Ltd","underwriter_slug":"ract-insurance","apra":"authorised","cover_basis":null,"flood":"included","accidental_damage":null,"unoccupied_days":60,"unoccupied_effect":"Some events not covered","unoccupied_first_effect":"reduced_cover","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/ract.json"}, {"brand_label":"Strata Community Insurance (SCI)","slug":"strata-community-insurance","product_id":"residential-strata","type":"residential_strata","underwriter":"Allianz Australia Insurance Limited","underwriter_slug":"allianz-australia-insurance","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/strata-community-insurance.json"}, {"brand_label":"Strata Community Insurance (SCI)","slug":"strata-community-insurance","product_id":"commercial-strata","type":"commercial_strata","underwriter":"Allianz Australia Insurance Limited","underwriter_slug":"allianz-australia-insurance","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/strata-community-insurance.json"}, {"brand_label":"Strata Unit Underwriters (SUU)","slug":"suu","product_id":"residential-strata-insurance","type":"residential_strata","underwriter":"CGU Australia Pty Ltd","underwriter_slug":"cgu-australia","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/suu.json"}, {"brand_label":"Strata Unit Underwriters (SUU)","slug":"suu","product_id":"commercial-strata-insurance","type":"commercial_strata","underwriter":"CGU Australia Pty Ltd","underwriter_slug":"cgu-australia","apra":"authorised","cover_basis":null,"flood":"optional","accidental_damage":null,"unoccupied_days":null,"unoccupied_effect":null,"unoccupied_first_effect":null,"unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/suu.json"}, {"brand_label":"Suncorp Insurance","slug":"suncorp-insurance","product_id":"strata-insurance","type":"residential_strata","underwriter":"AAI Limited","underwriter_slug":"aai","apra":"authorised","cover_basis":null,"flood":"included","accidental_damage":"included","unoccupied_days":60,"unoccupied_effect":"Extra $1,000 excess","unoccupied_first_effect":"extra_excess","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/suncorp-insurance.json"}, {"brand_label":"Sure Insurance","slug":"sure-insurance","product_id":"sure-residential-strata-insurance","type":"residential_strata","underwriter":"XL Insurance Company SE, Australia Branch","underwriter_slug":"xl-insurance","apra":"authorised","cover_basis":null,"flood":"included","accidental_damage":null,"unoccupied_days":60,"unoccupied_effect":"Outside who the policy is for","unoccupied_first_effect":"not_accepted","unoccupied_cover_stops_days":null,"url":"https://deepalmanac.com/au/insurance/building/v1/brands/sure-insurance.json"} ] }