Securing your home doesn’t just bring peace of mind. It can also make a big difference if you ever need to make an insurance claim.
Whether you’ve experienced a break-in or just want greater reassurance, having a solid home security setup and a home insurance policy can help cover the costs of repairs or replacements. AAMI’s Home and Contents Insurance covers your building and the stuff in it for loss or damage due to an insured event.
The role of surveillance in home security
Surveillance systems are becoming more common in Australian homes, and for good reason.
Visible cameras can act as a powerful deterrent to would-be intruders, while recorded footage can assist police and help support your insurance claim with AAMI.
Alarm systems
Traditional alarms include motion detectors and small components called reed switches that alert you when doors or windows are opened.
For more robust protection, a back-to-base system connects directly to a security company that can respond to breaches or even alert emergency services.
CCTV systems
Closed-circuit television (CCTV) setups are another effective option. They continuously record what’s happening around your property, and many can now be accessed remotely through your phone. While they traditionally don't alert you in real-time, they’re excellent for reviewing incidents and providing evidence after the fact.
Live-monitoring versions have also become more popular, allowing real-time streaming and integration with smart home systems. There are many options for you to choose from, so consider your needs and your budget.
Setup and installation tips
Wireless systems are gaining popularity for their ease of installation and affordability. Regardless of the system you choose, be sure to follow manufacturer instructions carefully. If DIY isn't your style, professional installers can ensure the job is done correctly and efficiently.
The top items stolen from Australian homes
Knowing what’s most often stolen in home burglaries can help you take targeted steps to protect your belongings. Based on AAMI claims data from 2018 to 2023 , the most commonly stolen items from Aussie homes include:
Jewellery
Rings, necklaces, earrings, and watches top the list due to their high value and small size. They're easy to grab and quick to sell, making them an appealing target for thieves.
Handbags, wallets and purses
Often left near entryways, these items are tempting for intruders looking for a quick score – especially if they contain cash, bank cards, or IDs.
Tech devices
Laptops, tablets, and smartphones are frequent targets. Lightweight and valuable, they’re easy to carry off, especially when left in visible or easily accessible places.
Cash
Even small amounts can be tempting. Avoid leaving cash sitting around at home, particularly near common drop-zones like key bowls. Hide it securely!
Bicycles
Both adult and children’s bikes are commonly stolen, especially if left unsecured in garages, driveways, or backyards.
They have an unsurprising tendency to act as their own getaway vehicles, so consider storing them inside or securing with appropriate bike locks.
Covering your valuables
One way to cover high-risk items at the home is to specify your Contents with Flexible Limits. These items are those you can increase the amount they are covered for, up to a certain limit, in exchange for an extra premium, such as jewellery, watches or paintings. It’s an extra layer of cover that can make a big difference if an insured event happens. Read the PDS for limits, conditions and exclusions.
As an example of the above, let’s say you have a diamond ring worth $8,000. Normally, jewellery has a flexible limit of $2,000 per item or set. You ask us to increase that cover to $8,000 and pay the extra premium. This means the ring is now shown on your certificate of insurance as a ‘specified contents’ item, and is covered for $8,000 at the insured address.
If you would also like to cover your valuables away from the home anywhere in Australia and New Zealand, you can look into AAMI’s Extra Cover Portable Valuables cover for an extra premium. For more information, including terms, conditions and exclusions, read the PDS.
By understanding the most effective ways to secure your home and knowing which items are most at risk, you can take practical steps to reduce your chances of being targeted . That way, you can ensure you’re well covered if something does go wrong.