Are outdoor living areas covered by home insurance?


Whether or not your outdoor living areas are covered by your home insurance depends on what type of policy you have. Home Building Insurance covers permanent structures and fixtures, while Contents Insurance covers stuff that’s not permanently attached, like furniture. There are a few areas where the distinction might get a little fuzzy, so read on to try and clear things up!

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Are outdoor kitchens covered by home insurance?

The permanent structure of your outdoor kitchen, including all the fixed cupboards and drawers, would generally be covered under an AAMI Building Insurance policy.

Are barbecues covered by home insurance?

Before you throw another shrimp on the barbie, you might want to check that it’s covered! An installed BBQ that is permanently attached to the property would be covered under a Building Insurance policy, while something standalone — like a Weber — would be considered part of your contents. And if you have a combined AAMI Home and Contents Insurance policy you'd likely be covered either way, up to your sum insured.

Are outdoor TVs & entertainment systems covered by home insurance?

Playing some tunes or putting on the Friday night game can help bring an outdoor entertainment space to life. But entertainment gear can cost a pretty penny to replace, so you may want to check it’s covered! An outdoor TV or stereo will generally be covered under Contents Insurance as they’re usually not permanently attached to the property, but of course it depends on your policy and contents sum insured.

Are decks, verandas, pagodas and pergolas covered by home insurance?

Covered areas like decks, verandas and pergolas are the heart of your outdoor living space. Fortunately, since they’re usually permanently attached to the property, these can be included under Building Insurance.

Everything else

From artwork to pot plants to fancy-schmancy lighting, there’s almost no end to what you can add to your outdoor space to really put your stamp on it. Before you go all out, check out our Product Disclosure Statement to learn more about what is and isn’t covered under AAMI Home and Contents Insurance. If you’re still not sure, feel free to get in touch.

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What to do if you renovate or add an outdoor living space to your home

If you add a new outdoor area to your home as part of a reno, be sure to give us a call on 13 22 44 and let us know, or jump online to update your sum insured. Doing so will ensure that your policy properly reflects your property and that you have enough cover to repair or rebuild your new addition, just in case. 

Need to make a home insurance claim?

With AAMI, making a home insurance claim is quick and easy. Simply lodge your claim online or via the AAMI App, and one of our friendly claims consultants will be in touch to help you out. 

Why claim online?

  • Claim 24/7, at your own time and pace.
  • Enjoy a simple, guided claims process.
  • Manage photos and documents easily.
  • Track or update your claim at any time.

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Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.