Home Insurance FAQ's
Many of your general questions can be answered here.
If you have a specific question regarding your own policy, please contact us
Do I need to know the exact size of my house?
No, you don't need to know the exact measurements of your house to get a quote.
When you request a quote, we ask you how many bedrooms your home has, how many storeys and the relative size of its rooms, as well as a number of other relevant questions to help us assess its size.
What exactly are 'contents'?
Contents are your household items that:
- you own or are responsible for
- are used primarily for domestic purposes
- are not permanently attached to the building
Imagine you had the power to pick up your house and turn it upside down. 'Contents' are all the household items that fall out (except for some things, such as cars and pets!). Items like furniture, furnishings, clothing, computers, appliances, carpets and curtains are all 'contents'.
Things left behind - like fences, light fixtures, solar panels and pergolas – are part of the building and therefore not considered to be 'contents'.
How do I work out the value of my home contents?
Use this Contents Calculator to estimate the value of your home contents. It's pretty easy and only takes a few minutes to do.
The calculator works by asking you questions about the number and types of rooms in your home, and the kind of contents that you have. It then provides an estimate based on industry values, which you can further amend yourself if you want to.
Is my mobile phone covered on my home insurance?
As long as you've taken out the optional 'Portable Valuables' cover on your AAMI Home Contents Insurance, and told us that you want to cover your mobile phone, then yes, it is covered (it will be shown on your policy under 'Specified Contents').
Otherwise, it isn’t covered.
Call us to get this cover on 13 22 44!
Do I need to provide to AAMI the rental agreement with my tenant?
No, you don't need to provide us with the formal rental agreement with your tenant when you buy AAMI Landlord Insurance or AAMI Strata Insurance.
But we encourage you to have one and keep a record of it. Because if you don't have a current written rental agreement at the time of a loss, your cover under the optional Tenant Protection will be limited (if you've taken that option).
Are curtains and carpets covered by Home Building Insurance, or Contents Insurance?
Yes – these items are covered by AAMI Home Contents Insurance. Contents items are items that are not permanently attached to the building. Because curtains and carpets can be removed from the home, they’re classified as contents items.
Who is this product designed for?
This insurance product is specially designed to cover the contents that you own and use for domestic purposes. It is not designed to cover contents in an investment property or contents in a unit that you let out to your tenants (See Landlord Insurance.)
This is just a summary. For full details, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.