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What is included in Home and Contents Insurance?


You might be surprised to learn about some of the things Home and Contents Insurance covers. For example, did you know that if you’re a model aircraft or boat enthusiast, any remote-controlled models or toy aircrafts with a wingspan of up to 1.5m are included on your contents policy for damage caused by an insured event at your home? Well, you do now!

When you take out Home and Contents Insurance, your house and the personal belongings kept inside it are covered in case you’re hit with an insured event. This means that, if an insured event damages or destroys them, we’ll cover the cost of repairing or replacing them (up to any policy limits).

An “insured event”, FYI, is any event that’s mentioned in your Product Disclosure Statement (PDS) as something that applies to your policy. Think fires, theft and burglaries, storms, and so on. 

By definition: 

  • Your home is the building that you own or are responsible for and use primarily for domestic purposes
  • Contents are household items that are owned by you, or that you’re responsible for, and that you use primarily for domestic purposes

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Here are five things you may not know are covered by AAMI Home and Contents Insurance.

Personal valuables


Jewellery damaged, lost or stolen from your insured property is covered under your policy up to the value of $2,000 per item or set, up to a total of $5,000. If you’ve got some fancier pieces that are worth over $2,000, you can specify a higher amount for these on your policy to avoid being underinsured if anything happens.


Memorabilia, including collections and sets of items such as stamps, collector’s pins, medals and currency no longer in circulation, are insured under your policy for up to $5,000 in total. As with jewellery, the limit for memorabilia is flexible and can be increased if you have more valuable items (though this will affect your premiums).

Mobile phones

Your mobile phone is covered for loss or damage, if that damage occurred at home and is the result of an insured event.

When you’re away from home

Even if you’re away from home, you can still insure personal items like jewellery and mobile phones by adding AAMI’s optional Portable Valuables Cover to your policy and specifying their value (if need be). This will cover them if they’re lost or damaged anywhere in Australia or New Zealand, or anywhere in the world if it’s an item of jewellery (conditions apply). Portable Valuables Cover does not apply to cash, smart cards and some other items. See the PDS for more info. 

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Excess Free Glass Cover

There’s not much more annoying than fixing broken glass. Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. With AAMI, you can opt to add Excess Free Glass Cover to your Home policy for an additional cost. This optional cover only applies to certain fixed glass that is part of the home – read more about what's covered here

Accidental damage at the home

Speaking of annoying things, dropping, knocking, spilling or otherwise damaging something at home can now be covered with AAMI’s new Accidental Damage at Home optional cover. So now there really is no reason to cry over spilt milk. Click here to learn more

Home assist

AAMI Home Assist is another type of optional cover. If you’ve had AAMI Home Assist on your policy for 24 hours or more we can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. Home Assist does not cover general maintenance, preventative services or disaster response.


AAMI will cover perishable and non-perishable food items for up to $400 following an insured event. Because unexpected events can be enough of a headache without having to worry about a huge and unexpected grocery bill. 

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Need to make a Home Insurance claim?

Claiming online or via the AAMI App is simple! Check out our claims checklist and prepare what you need, lodge your claim online at your own pace, and one of our friendly claims consultants will be in touch as soon as possible. 

Why claim online?

  • Lodge your claim anywhere, anytime
  • Award-winning online claims process
  • Book directly into a repairer (for eligible claims/policies)
  • Manage photos or 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. Limits, conditions, exclusions apply. Read the Product Disclosure Statement before buying this insurance. The Target Market Determination is also available.
This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.