What’s included in home insurance?
Home insurance covers the cost of repairing or rebuilding your home after an insured event. The specifics of what’s covered will depend on your policy.
Being uninsured (or underinsured) may lead to unwelcome damage bills. Here are some lesser known things that home insurance can help with.
What’s included in building insurance?
AAMI Building Insurance covers the physical structure of your house in an insured event – like fires, theft, storms, burglaries and so on. It also covers anything permanently attached to your house. Here are some examples of what AAMI Building Insurance covers:
Legal liability
Many people are unaware of the importance of legal liability cover. If a visitor is injured at your home, they can file a legal liability claim against you. It only takes a single accident for you to take a serious financial hit. For example, if a tradie (or anyone else) trips down your staircase and is injured.
AAMI Home Insurance will cover your legal liability for up to $20m for any one incident. It’s included in every home insurance policy, so you can rest easy.
Please read your PDS for conditions, limits and exclusions.
Windows and glass sliding doors
In the case of an insured event, AAMI Building Insurance covers windows, glass sliding doors and other types of glass attached to your home (including window tint if fitted). This also includes skylights, shower screens, and mirrors fixed to your home and toilets. You’ll just need to pay an excess when you make a claim.
If you add Excess-Free Glass cover to your Home Insurance policy for an added premium, you won’t need to pay an excess.
Add on Excess-Free Glass cover today!
Cabinetry
Building Insurance covers permanent fixtures like cabinets, pantries, built-in wardrobes, and more.
Pools and spas
Fixed pools and spas are also covered under Building Insurance.
If you also want coverage for your inflatable pools and portable spas, you’ll need to add Contents Insurance to your policy – as those items are classified as contents.
Am I covered against leaks?
Yes! AAMI Building Insurance covers damage caused by escape of liquid. This applies to a drain, sewage system, or fixed pipe (not forming part of a shower floor, base or shower cubicle wall, and not overflow drains or pipes). That’s why our coverage extends to any part of your home.
You’re also covered for leaks from fixed tanks, swimming pools, spas, refrigerators, freezers, or washing machines.
Garages, carports, outbuildings
We cover your garages, carports, and outbuildings whether you use the spaces as storage, or even as a workshop for your DIY projects. We also cover structural improvements at your insured address. But please contact us beforehand to ensure you’re properly covered under your policy.
However, there are instances where you won’t be covered – such as outbuildings with their own utility metering that could be seen as a residence.
For the full details, check your PDS.
Decks, pergolas, pagodas, verandas, and balconies
We cover all of these structures at your insured address. Though, it’s important to keep everything well-maintained – we don’t cover wear and tear.
Check out our home maintenance tips here.
Garden borders and paths
We cover garden borders, sealed pathways, and paved or concreted floors. These are considered part of your building.
Wired ovens
We cover wired ovens and other electrical appliances permanently housed, connected or wired to the building.
But remember – as a rule, we don’t cover wear and tear. So, it’s important to take care of what you own.
Gas appliances
We also cover gas appliances that are permanently plumbed to your home’s gas supply. This includes stoves, gas ovens and other appliances.
Solar panels
We consider solar panels as part of your home if they’re attached to the building. So, they’re covered if they’re damaged by hail, a bad storm, or any other insured event.
Storage tanks
We cover fixed water and sewer storage and treatment tanks that are permanently plumbed to your home.
Boat jetties
Boat jetties, pontoons, mooring poles, and their attachments and accessories are covered – if they’re located within the boundaries of the insured address.
And more!
There are lots more things covered by AAMI Building Insurance. For the full list, read your PDS.
What’s not covered
Like we mentioned before, we do not cover wear and tear or deterioration. We also don’t cover some losses where building extensions, alterations or renos are incomplete. Thinking of renovating? Contact us to let us know, to play it safe.
What's included in home and contents insurance
Everything covered under building insurance
AAMI Home Insurance covers your home, its structures and items permanently attached to it. Your legal liability is also covered, up to $20m for any one incident! So you don’t have to worry about someone getting injured on your property.
Your contents and belongings
Home insurance does not cover your contents. If you need cover for your contents items, consider taking out AAMI Contents Insurance with your Home Insurance. Here are some things that are included below.
Explore Home and Contents Insurance
Food and medication spoilage
Food is becoming increasingly expensive. Needing a sudden fridge, freezer and pantry restock can really cut into your savings – especially when you need to restock medications on top of that.
That’s why, AAMI covers food and medication spoilage that occurs due to a fridge malfunction – up to a limit. We also cover spoilage that occurs in any other insured event. For example, electrical breakdowns, a sudden escape of refrigerant fumes, a public electricity supply failure, and more.
Read your PDS for the full info on coverage and limits.
Plants
You’re in luck if you’re a green thumb! AAMI Home and Contents Insurance covers pot plants and their pots. We don’t cover trees, shrubs, hedges, and plants in the ground.
Clothing
We cover your clothes and accessories too. So, we have your back in the case of a flood, fire or home burglary.
Want to cover your clothes for accidental damage? Add on our optional Accidental Damage cover . It’ll come in handy if you ever spill some red wine on your carpet or accidentally drop your laptop at home.
Explore Accidental Damage cover
Tech
AAMI Contents Insurance covers home computers, printers, electronic tablets, mobile phones, some unfixed electrical goods, and more, for insured events at home!
If you would like ‘away from home’ coverage for your phone and other belongings (such as your jewellery and watches, medical aids and electronic devices), consider adding on our Extra Cover Portable Valuables cover.
Medical equipment and aids
We classify medical equipment and aids as your contents, so they’re covered at home too!
Vehicles, watercraft or aircraft
We also cover a variety of items in this category at home, like:
- drones,
- ride-on mowers,
- wheelchairs, mobility scooters,
- toy motor vehicles,
- surfboards, sailboards, canoes, kayaks,
- and more!
Home and contents insurance covers a lot more
There are too many things to list here. So, check out your PDS for the full list!
What’s not covered
We don’t cover damage to your home or belongings caused by an incident related to deterioration or wear and tear that you’re reasonably aware of. For the full list of exclusions, don’t forget to read your PDS!
Read more:
- You may be surprised by what AAMI covers
- How much should you insure your house for?
- Does home insurance cover my mobile phone?
Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI. Limits, conditions and exclusions apply. Read the relevant 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.
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.