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Home Insurance

You're in good hands. AAMI is the trusted home insurance provider of around 800,000 homes.

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Types of Property Insurance

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

What does Home Insurance cover?

When you take out both Home Building and Contents Insurance, your insurance can cover your building, the contents inside it or both, if they’re damaged in an insured event such as fire or theft. It can cover costs for repair or replacement, as well as other costs such as liability for injuries to others that occur at your house.

Home Insurance comparison

Choosing the best Home Insurance for you depends on what you’re trying to cover. If you just need to take care of your contents – for example, if you’re renting – consider Contents Insurance. If you need homeowners insurance, consider Building Insurance, or combined Home and Contents. If you want to compare the premiums, it’s easy to get a Home Insurance quote for each.

Real Customers

Lady learning about AAMI Home and Contents Insurance

AAMI Customer Reviews

Insured events

AAMI Home Insurance can cover your home and its contents against a range of insured events. Get a Home Insurance quote today! 

  • Flood 
  • Storm
  • Lightning
  • Fire
  • Earthquake
  • Tsunami
  • Theft or burglary
  • Accidental breakage of glass
  • Escape of liquid
  • Impact
  • Damage by an animal
  • Explosion
  • Riot, civil commotion or public disturbance
  • Malicious acts and vandalism

Extras and tools with our Home Insurance

Complete Replacement Cover

Our best protection against under insurance. If your home is damaged or destroyed by an insured event, we’ll choose to repair, rebuild your house as it was, or pay you what it would cost us to do so.

Learn more

Contents Calculator

Not sure how much to insure your contents for? Use this simple calculator to help you estimate the value of your contents and choose your sum insured.

Launch calculator

Portable Valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Learn more

YOU ALSO GET
Customer Rewards

Make the most of the customer rewards with AAMI Lucky Club and Suncorp Benefits! From retail discounts to experiences at concerts, movies, sporting events and more, enjoy great value on services that you'll love. See more Customer Rewards.

Disclaimer

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (including CTP or MAI Insurance policies), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers who only hold the following insurance policies aren’t eligible for AAMI Lucky Club: Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.

Reason to choose AAMI Insurance

We offer unparalleled customer service

24/7 claims, the AAMI Lucky Club and access to online tools.

Contact AAMI

Here when you need us most

Like a big sigh of relief, we'll be here when you need us most. We may even make you smile.

More about our claims

Trusted since 1969

Proud to be one of Australia's most respected and successful insurers for over 45 years.

More about AAMI

Downsizing, investing or selling up?

You can access the latest market information on properties you own, rent or are viewing with the Suncorp App.

Home insurance articles

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Frequently asked questions

Home Insurance reviews

Home Insurance is rated 4.5 out of 5 by 1343.
Rated 3 out of 5 by from contact as we have a post box address there was not the opportunity to note this on this site so we do not know as to how we shall receive mail
Date published: 2020-03-26
Rated 5 out of 5 by from very straightforward no problem with anything. AAMI was recommended to me and I'm glad I made the change from my old provider
Date published: 2020-03-25
Rated 4 out of 5 by from value for money easy to apply for cover.the helps were easy to understand.
Date published: 2020-03-04
Rated 5 out of 5 by from Straight Forward Very happy with the flow and easiness of the whole process. Plus having already purchased another policy, discounts were a welcome bonus.
Date published: 2020-03-03
Rated 5 out of 5 by from Simple and quick Premiums were 50% less than others for the same cover!
Date published: 2020-01-29
Rated 5 out of 5 by from Quick and easy So easy to do on line. Prompt quote and holds for a reasonable time so you can seriously think about it.
Date published: 2020-01-12
Rated 4 out of 5 by from VERY EASY AAAMI OFFERRED MORE FLEXIBLE OPTIONS THAN SOME COMPANIES WHEN APPROACHED. I INITIALLY SPOKE TO SOMEONE ON THE PHONE AND SHE WAS VERY PLEASANT, NOT PUSHY OR INTRUSIVE IN ASKING THE NECESSARY QUESTIONS AND I APPRECIATED NOT HAVING THE HARD SELL APPROACH. HOPEFULLY, THE SAME WILL APPLY SHOULD I EVER HAVE A CLAIM
Date published: 2019-12-18
Rated 5 out of 5 by from NEW QUOTE WAS CHEAPER While the process to take up your policy online was very easy, the fact is the new policy price was cheaper after all the discounts than the renewal price as an existing customer.
Date published: 2019-11-20
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Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.

Find Out More

The lucky winner will receive return flights to Melbourne*, 4 nights luxury accommodation, $10k prize money, 2 tickets to The 2019 Toyota AFL Grand Final and heaps more.

Here’s how it works:

Entries close 9th September 2019. Prize drawn 11th September 2019.

T&C’s apply

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Complete Replacement Cover

This Optional Extra is exclusive to AAMI and gives you peace of mind that we'll choose to repair, rebuild your house as it was, or pay you what it would cost us to do so, without you having to set a specific sum insured limit.

High Value/Risk Items

If you have a high-value (over $1,000) or high-risk item, you need to specify it to cover its full value, as such items are not necessarily included as unspecified portable items. Items that need to be specified include:

  • Laptops, mobile phones and electronic tablets
  • GPS or navigational devices
  • Photographic equipment
  • Golf carts
  • Motorised wheelchairs or mobility scooters.

Portable Items

Unspecified Portable Items is an optional protection for accidental loss or damage to personal valuables normally carried with you away from home (anywhere in Australia and New Zealand).  This can cover items such as such as:

  • Jewellery and watches
  • Cameras
  • Handbags and wallets
  • Handheld gaming systems
  • Glasses and sunglasses
  • iPods/MP3 players
  • Bicycles and sports equipment*.

These items don’t need to be specified to be covered.

*Sporting equipment is covered when not being used, except for bicycles which are covered if not racing or pace-making.

Tenant Protection

Protect your property against unpaid rent up to $6,000, theft by your tenants and their guests to the value of your contents sum insured, up to $20,000 and malicious damage by your tenants and their guests up to $30,000. We will also replace locks if your tenant doesn’t return the keys up to $800.

Loss of rent

If an insured event occurs and your property is unliveable as a result, we’ll pay the weekly rental amount for up to 52 weeks or $25,000, whichever is less.

Contents damage or loss up to your chosen amount

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Tenant Protection

Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.

Temporary accommodation

If your home is deemed unliveable following an insured event, we offer cover for the reasonable costs of temporary accommodation for the time it will take to repair or rebuild your home. The most we’ll pay is up to 4 weeks in short term accommodation, such as a hotel, and then up to another 48 weeks in residential accommodation if necessary. We’ll also cover the cost of redirecting mail to the temporary address and connecting utilities. Not available with Fire & Theft Contents Insurance.

Office bearer’s liability

Covers up to $1 million for office bearers or committee members if a claim is made against them for a wrongful act.

Shared contents

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Back in Business

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Glass & signs

This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises.

Public Liability

Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.

Tax Probe

Also known as Tax Audit, this provides cover for the professional and accountant’s fees incurred by you in connection with an audit of your business’ financial or tax affairs by the ATO, or by a Commonwealth, State or Territory department, body or agency.

Learn more about Tax Probe

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