What do we mean by that?

AAMI, we, us, and our mean Australian Associated Motor Insurers Limited (ABN 92 004 791 744).

Accident means an accident or a series of accidents resulting from any one occurrence.

Building means the building(s) covered under this policy. See pages 6-7 for the buildings that are covered and are not covered under this policy.

Cover and covers mean the protection provided by your policy.

Damage and loss.

Damage means actual physical damage to your building.

loss or lost means your building or a part of your building being damaged beyond economical repair.

Endorsement means a special condition that applies to your policy. Any endorsements to your policy are shown on your insurance schedule.

Excess. An excess on your policy is the amount that you must first contribute towards a claim.

Fire means burning with flames.

Fixtures and fittings means items used for domestic and residential purposes, and which are permanently attached to your home building or the site.

Flood means the inundation or covering of normally dry land by water which:

escapes or overflows from, or

cannot enter (because it is full or has overflowed), or

is prevented from entering (because other water has already escaped or been released from it),

the normal confines of any watercourse or lake, including any that may have been modified by human intervention, or reservoir, canal, dam or stormwater channel.

Flood does not mean stormwater runoff from areas surrounding the site or water escaping from any water main, pipe, street gutter, guttering or surface.

Home means the buildings described in 'What we cover - the building'. See page 6.

Home does not mean your home contents.

Insured address means the address at which your home is located.

Insured event. The occurrences we have listed on pages 8-13 which cause damage and loss to your building.

Living with you. Any person normally living or staying in your building or at the site.

Lot and Unit mean an area which is used for domestic or residential purposes that is shown on the plan for the Strata Titles Act or similar legislation applying where the lot or unit is located.

Plan means the plan of subdivision describing the area of land at the insured address created under the Strata Titles Act, Subdivision Act or similar legislation applying where the lot is located.

Occupied means you are living or staying in your home or another person is with your consent.

Period of cover means the current period for which we have agreed to provide you with insurance cover. The current period is shown on the most recent of your insurance schedule and renewal notice and any receipt we may send to you.

Policy means this booklet and your policy schedule.

Your policy schedule comprises the notices we give you which show the particular details and the current status of your policy. These notices are the most recent of your insurance schedule and renewal notice, and any receipt we may send you.

Your insurance schedule sets out the information you have given us on which we have based our decision to insure you as well as the individual details of your policy. We will send you an updated insurance schedule whenever you advise us of a change in this information or these details.

Site means those parts of the land at the insured address which are used for domestic or residential purposes but not 'common property' which is land or areas that people as well as those living with you are entitled to use, for example common property in a multi-dwelling development.

Storm means violent wind (including a cyclone or tornado), thunderstorm or a heavy fall of rain, snow or hail.

Theft means actual or attempted theft and burglary

You and your mean the person or persons named as the insured on the most recent of your insurance schedule and renewal notice and members of your family.

Your family means the following people who normally live with you:

your spouse or partner,

your children, parents, grandparents, grandchildren, brothers and sisters,

the children, parents, grandparents, grandchildren, brothers and sisters of your spouse or partner.