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What does my AAMI Home and Contents Insurance cover?


You might be surprised to learn about some of the things your AAMI 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? Well, you do now!

If you’ve taken out combined home and contents insurance with AAMI, your house and the personal belongings kept inside it are financially protected in an insured event. An insured event, FYI, is any event that’s mentioned in your Product Disclosure Statement as something that applies to your policy. Think fires, 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

Phew! Now we’re done with the boring stuff, here are 5 things you may not know are covered by AAMI Home and Contents Insurance.

1. Personal valuables


Cash, phone cards, smart cards, vouchers and money orders are insured up to a value of $200. This even includes stamps, if they’re not in a set or a collection.


If any of your jewellery is damaged, lost or stolen from your insured property it’s covered under your policy to the value of $1,000. If you’ve got some fancier pieces that are worth over $1,000, be sure to specify the insured amounts on your policy. Doing so will affect your premiums, but you’ll 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. 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 Portable Valuables Cover to your policy as an Optional Cover and specifying their value (if need be). This will cover them for their full value if they’re lost or damaged anywhere in Australia or New Zealand, or anywhere in the world if it’s an item of jewellery. Portable Valuables Cover does not apply to cash, phone cards or smart cards. 

Explore AAMI Portable Valuables Cover

2. Injuries to others or their property

We all hope it doesn’t, but the unexpected can happen at any time. A friend might injure themselves while they’re over for dinner at your place, or you might even accidentally damage a stranger’s property when you’re out and about. 

AAMI’s Home and Contents Insurance will cover you for legal liability up to $20 million, including the legal costs we have agreed to pay following your claim. This means that if you’re responsible for paying compensation for the bodily injury or death of another person, or for loss or damage to their property as a result of an incident that takes place in Australia or New Zealand, your policy can have your back.

3. Lock and key replacement

In the instance your home is burglarised, and the offenders damage the lock on your front door, AAMI can arrange a replacement lock and key for you so you can sleep a little easier.

4. Food items

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 grocery bill that you didn’t budget for. 

5. Your letterbox

If you have AAMI’s combined Home and Contents Insurance, it doesn’t matter if your letterbox is attached to your building or freestanding; it’ll be covered following an insured event.

Making a claim

If you ever need to make a claim on your insurance policy, you’ll need to supply proof of ownership and proof of value documents to your insurer, such as:

  • Purchase receipts for items
  • Photographs of items in your home
  • Valuation certificates, if applicable

Remember to notify the police if you think anything has been stolen and include their report with your claim. Because AAMI is a part of the Suncorp Network, you can use the AAMI App to easily manage your policies on the go.

Make A Quick Claim Online

If you have any questions, don’t be shy! Visit the AAMI Help Centre or get in touch with our knowledgeable insurance specialists today on 13 22 44.

Read more:

AAMI Car Insurance, NSW and ACT CTP Insurance, and Caravan Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Consider the Product Disclosure Statement before making a decision about this insurance. 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.