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Home Insurance FAQs
You’ll find many answers to the most common questions about AAMI’s home and property insurance policies here. If you can’t find what you’re looking for or have a specific question regarding your own policy, please contact us.
How can I pay for my home insurance?
AAMI offers a number of flexible ways to pay for your home and property insurance. Whether you’re a home owner, landlord, renter, or property manager, we’ve made payment simple with options to pay online (including debit/credit and BPAY), over the counter at your nearest Australian Post Office, by post, and over the phone.
Discover all the ways you can pay your home insurance policy.
What if my payment is overdue?
Sometimes life can be a little unexpected, but if you find that you’ve missed a payment on your home insurance, it’s important to get back on track as soon as possible.
If a payment instalment is more than 14 days overdue, any claim you make may not be paid to you. If it’s more than a month overdue, we may cancel your policy.
Can I pay for my home insurance renewal online?
How do I update my direct debit/credit card details?
Updating your direct debit or credit card details can be done through your AAMI online account. After logging in, click on the ‘My policy list’ link. After finding and selecting the policy you want to update your details for, click on the link to ‘Update my policy’, then ‘Change payment details’.
Updating / Changing Your Home Insurance Policy
How do I update my policy/cover?
To make your life easier, you can make a number of changes to your home insurance policy online. Through your AAMI account, you can change the sum of contents you’re insured for, update the sum of your insured building, update the unspecified portable items included in your cover, and more.
Simply log in, click on the ‘My policy list’ link, and select the relevant policy you want to update. From the ‘Update my policy’ tab, you’ll find several options for making changes. Unfortunately, some things can’t be altered online, including changing your cover type (for example, from Property Owner to Landlord), and changing the specified portables listed on your cover. For these things please contact us - we’ll be happy to help you out.
How do I update my address/contact details?
You can update your address and other contact details through your online AAMI account. Simply log in, select ‘My policy list’, then ‘Update my policy’, then the ‘My personal details’ heading. Here you’ll find a link to ‘Contact details’, which allows you to update your postal address, phone number, and email address.
Can a family member update my home insurance policy?
If you want for someone other than yourself (the policy holder) to be able to make changes to your car insurance policy, you’ll need to list them as a nominated representative. You can do that easily by calling us on 13 22 44.
You can also email us at firstname.lastname@example.org, although response time is generally longer, so if it’s urgent it’s better to call. In your email, make sure you include the following details:
- Your full name (first and last name)
- Your date of birth
- Your full address
- The full name, date of birth, and phone number of the person you want to add as your nominated representative
Is my mobile phone covered by my home insurance?
As long as you've taken out the optional 'Portable Valuables' cover on your Home & Contents Insurance, and told us that you want to cover your mobile phone, then yes, it is covered. As a mobile phone is a high risk item, you will need to specify it on your policy to ensure it is appropriately insured. It will be shown on your policy under ‘Extra cover for Portable Covers Option'.
What do I list under ‘contents’ and how do I work out their value?
No need to sweat; when you’re filling out your online quote we’ll give you the tools you need to understand what counts as contents. We’ve also got a handy contents calculator to help you work out the value of your home contents.
I’ve just bought my first home! What should I know about home insurance?
Emergency Services Levy
We (and other insurers) collect ESL to help pay for the NSW Emergency Services, including Fire and Rescue NSW, the NSW Rural Fire Services and the NSW State Emergency Services.
We began to remove ESL from insurance premiums during the 2016-2017 financial year. However, on 30 May 2017 the NSW State Government announced the deferral of the introduction of ESL (or the “FESL”) on council rates (therefore deferring the removal of the ESL from insurance premiums). As a result, we began to reintroduce ESL charges on relevant insurance premiums in late 2017.
Customers may find their total premium is higher than last year due to the reintroduction of ESL. This levy is also charged by other insurers in NSW however each insurer decides its own rate for ESL. The money contributed by insurers is used by the NSW State Government to fund vital emergency services.
If you require any further information regarding the re-introduction of ESL, please feel free to contact us on 13 22 44.
Cancelling / Renewing Your Policy
How do I renew my policy?
Thanks for continuing to choose AAMI for your home insurance needs! We’ve made it super easy to renew online, using your AAMI account. Simply log in, click on ‘My policy list’ and choose the policy you want to renew, and select the ‘Renew now’ button.
How do I cancel my policy?
Do I get a refund if I cancel?
If you choose to cancel your home insurance policy in the first 21 days, you are entitled to a full refund (as long as you haven’t made any claims). If it’s been longer than 21 days, you may still receive a refund of the unused portion of your premium, minus any cancellation fees and non-refundable government charges.
I've been asked to work from home for an extended period. Do I need to update my cover to include office equipment?
AAMI Home and Contents Insurance can cover home office equipment, like a desktop monitor and desk, up to $10,000. If the total value of your office items doesn’t exceed this amount, you won’t need to update your cover. For more information, please read the Product Disclosure Statement.
If the total value of your office equipment exceeds $10,000 or if you’re unsure, please call 13 22 44 or click the chat icon to speak to someone online.
Is my work laptop covered away from the office?
If you’ve taken a laptop home from your employer’s office, it’s then considered your responsibility while it’s away from the insured address (say, the office). This means the laptop will then be covered under your AAMI Home and Contents Insurance while you’re using it from home. This only extends to cover at home, so please contact us by calling 13 22 44 or click that chat icon to speak to someone online if you’re using your laptop elsewhere and would like cover for it.
I am now working from home due to COVID-19. Do I need to let my insurer know?
If you’re working from home during COVID-19, you won’t need to let your insurer know. AAMI Home & Contents Insurance includes cover for up to $10,000 for home office items, like a desktop monitor and desk. Although, if you’ve recently bought new items to beef up your home office setup, you should ensure that your sum insured is enough to account for the increased value of your contents.
This is just a summary. For full details, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.