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Does home insurance cover my mobile phone?


Replacing a lost or damaged mobile can be expensive and stressful. And it can be tricky to know what sort of mobile phone insurance is best for you, or whether your existing contents insurance will provide cover.

Luckily, AAMI can help.

Are mobile phones covered by home contents insurance?

With AAMI Home Contents Insurance, your phone can be covered while it's at home for insured events like flood, fire or theft. But what about when you take it out for the day? That’s where optional Portable Valuables Cover (available for an extra fee) comes in handy – as long as your mobile phone is specified on the policy. 

Insuring your phone away from home  

To insure your phone while it’s away from your house, you may consider AAMI Specified Portable Valuables Cover. It’s an optional cover you can add to your AAMI Contents Insurance policy for an additional premium. This covers your phone – and some other items – as long as they’re specified on your policy, for theft and accidental damage while you’re out and about.

Eligible items are automatically covered up to $1,000, without you having to list them on your policy — these are known as unspecified items under the policy. But some items need to be specified in order to be covered. This includes things like your mobile, laptop and anything worth over $1,000. Read the PDS to find out more.

Explore Portable Valuables Cover

Insure your phone for accidents 

While AAMI Home Contents Insurance can provide cover for things like theft and weather events, it doesn’t cover accidental damage at home unless you include it as an optional extra — so you could be left out of pocket for those drops, knocks and spills. 

But Accidental Damage at Home is another optional cover you can add to your AAMI Home or Contents Insurance policy if you’re after cover for accidental loss or damage.

Explore Accidental Damage at Home cover


How to insure your mobile phone

Not an AAMI customer? To cover your mobile phone simply complete a home insurance quote online, note down your ‘Quote Number’ and call 1300 727 452 and ask us to insure it as a specified item.

Already an AAMI customer?

If you’re already an AAMI customer, you can add your mobile phone to your home insurance policy as a specified valuable by logging into your AAMI My Account or giving us a call on 13 22 44


How to make a claim

Stress less with our simple claims process! Lodge your claim online or via the AAMI App and a claims consultant will be in touch.  

Make a claim 


Enjoy hassle-free assistance with AAMI

We take pride in giving you the help you need, when you need it, with minimal fuss. To find out how our insurance could work for you, get a quick online quote or call one of our friendly specialists on 13 22 44 today. 

Get a Home Insurance quote

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Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 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 Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.