Some geographic limitations apply.

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.

We can connect you with a plumber, electrician, locksmith or carpenter.

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.

Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

Only those contents which are owned by the landlord but kept within the property are covered.

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

• in connection with you owning or living in the building; and

• at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

• in connection with you owning or living in the building; and

• at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:​

• authorise;​
• arrange; and​
• pay the builder or repairer directly for this work.​

For full details, see the PDS.

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12^th July 2019 and 9^th September 2019.

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.