What can be included in Home and Contents Insurance?


You might be surprised to learn about some of the things AAMI Home and Contents Insurance can cover. 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 can help 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 is covered under your policy for insured events 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 more than $2,000, you can specify jewellery items for a higher amount and pay the extra premium, and the specific item will be shown on your Certificate of Insurance.

To cover your jewellery and other contents from accidental loss or damage while at home (like dropping a diamond earring down the drain) you can add Accidental Damage at Home to your AAMI policy for an extra premium. The most we will pay for any one incident is the contents sum insured unless another limit in your policy applies.


Collections, sets and memorabilia – including stamp collections, collector’s pins, medals and currency no longer in circulation – are all insured under your policy for up to $5,000 in total in the case of an insured event. As with jewellery, the limit for memorabilia is flexible and can be increased for an additional premium if you have more valuable items.

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 for an additional premium (and specifying their value where needed). This can provide cover if the item is lost or damaged anywhere in Australia or New Zealand, or anywhere in the world if it’s an item of jewellery or a watch. Conditions and exclusions apply, 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 fixed glass in a shower screen or 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 premium. This optional cover applies to certain fixed glass that is part of the home and can cover the cost to replace that glass without you having to pay an excess.

Accidental Damage at Home

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

Home Assist

AAMI Home Assist is another type of optional cover you pay extra for. 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 spoiled 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! Lodge your claim at a time and place that suits you, and an AAMI Claims Specialist will be in touch to arrange an assessment. 

Why claim online?

  • Lodge your claim anywhere, anytime
  • Award-winning online claims process
  • Manage photos or documents easily
  • Track or update your claim at any time
  • Arrange emergency repairs or an assessment (for eligible claims/policies)

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*We don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply. Read the Product Disclosure Statement for full details.

Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Limits, conditions and 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 situation or needs, so you should consider whether it is appropriate for you before acting on it.