AAMI Fire and Theft Insurance Policy

What we cover - insured events

This section describes under the heading:

Yes - the insured events you are covered for,
No - the conditions and exclusions that specifically apply to particular insured events.

Yes	No
You are covered for damage or loss caused by the following events occurring during the period of cover to your contents while they are within your home:	You are not covered for:
Fire (burning with flames)	Damage or loss caused by: any process involving the application of heat where there was no flame (for example, cigarette burn marks or scorch marks are not covered), soot and smoke where your home or the site has not been damaged by fire, unless there was an occurrence within your home where no flame resulted but soot and smoke damage was caused.
Theft - by persons who are not living with you	Damage to or loss of contents which were: outside the home at the site, in buildings at the site that were not fitted with working locks to all external doors, away from the site.