AAMI Fire and Theft Insurance Policy

What we cover - the contents

The contents we cover

The contents we cover are items used for domestic or residential purposes, and which are:

kept within your home,

not permanently attached to your building, and

owned by you or for which you are legally liable.

These are ‘general contents’ and ‘contents with limited cover’.

Which contents?	Where are they insured?	What are they covered against?	How much are they covered for?
General contents	At your home within buildings fitted with working locks to all external doors	The insured events of fire and theft	Up to $25,000 (including any payment we may make for damage or loss to your ‘contents with limited cover’)
Contents with limited cover See the list of contents with limited cover and details of this benefit below	At your home within buildings fitted with working locks to all external doors	The insured events of fire and theft	Up to the amounts shown on the most recent of your insurance schedule and renewal notice

General contents

General contents are items such as furniture and furnishings; household linen and bedding; clothing; kitchen utensils; electrical and electronic equipment and appliances; sporting equipment.

When you are a tenant or the owner-occupier of a strata-titled property, your contents includes any fixtures and fittings you are responsible for and/or you own and that are not insurable by the body corporate for the strata-titled development at your insured address.

General contents do not include items where we limit the amounts we will pay for damage or loss. These are ‘contents with limited cover’.

Contents with limited cover are:

Valuables Jewellery, watches, other items containing precious metals and stones, bullion	The amount covered for each of these groups and the total amount covered for ‘contents with limited cover’ are shown on the most recent of your insurance schedule and renewal notice
Artwork Paintings, prints, pictures, tapestry, figurines, sculptures, curios, decorative items made of china, porcelain or like material
Antiques Antiques (other than antique furniture)
Collections Pair, set or collection of any kind (for example, bullion, cards, coins, crockery, cutlery, earrings, medals, stamps etc.)
Commercial electronic recordings CDs, DVDs, videos, computer game software

We do not pay for damage or loss to ‘contents with limited cover’ items in more than one group; for example, damage or loss to CDs can be claimed only under ‘commercial electronic recordings’ not under both ‘commercial electronic recordings’ and ‘collections’.

Cover for fixed wall and floor coverings

If your building is not insured with AAMI, we will cover your fixed wall and floor coverings as contents provided they are not otherwise insured, for example, under the building insurance you or your landlord have with another insurer. Fixed wall and floor coverings are items such as carpets, tiles, floating floors, cupboards, internal blinds, drapes and curtains.

When we repair or replace damage to fixed wall and floor coverings, the repair or replacement is limited to the room, passageway, stairwell or functional area where the damage occurred. See ‘Damage to or loss of your contents - repairing or replacing your contents'.

Contents we do not cover

The contents we do not cover include:

cash, money orders, gift vouchers, tickets, stamps (not in a set or collection), manuscripts, certificates of title, licences, registration papers, negotiable instruments or documents of any kind,

home business equipment - the following business equipment ordinarily located in your home and used for the office work involved in conducting a business:

computers, printers, CD-ROMs, discs, software and associated accessories; telephones, answering machines and fax machines; mobile phones, personal organisers and pagers; desks, chairs, filing or storage cabinets and other office furniture; sundry equipment normally used or associated with an office,

professional equipment and tools of trade,

hedges (whether or not they form a fence), lawns, trees, shrubs, indoor and outdoor plants, flowers, garden beds or any other living material

houseboats, watercraft, aircraft, caravans, trailers, mobile homes (fixed or free-standing), motor vehicles, motorcycles, minibikes, go-karts, golf carts, motorised vehicles of any other type (other than motorised wheelchairs) or the spare parts or accessories of any of these items,

fish, birds, pets or animals of any type,

stock in trade or samples, business or trade cash takings or business assets, plant or equipment for any type of business including any type of farming,

unset precious and semi-precious stones,

unlicensed or unregistered firearms and firearms stored illegally at your home.