Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

Home Insurance

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

Get your quote now!

Select a type of insurance policy

Get a quote

Retrieve Quote

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

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.


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

Showing 3 of 6 articles Showing 2 of 6 articles Showing 1 of 6 articles
View all AAMI Answers

Frequently asked questions

Home Insurance reviews

Home Insurance is rated 4.5 out of 5 by 1343.
Rated 5 out of 5 by from Easy to access and process Very helpful in explaining the policy details for comparison with our previous provider
Date published: 2019-11-15
Rated 5 out of 5 by from Easy as 1 2 3 It's so easy to get a quote from your website - other insurers want to call you or harass you but I never have this complication with AAMI
Date published: 2019-10-25
Rated 3 out of 5 by from Entering Address The address was not found even when i entered it manually and any error clears the form then adding a post office box required a street number and name
Date published: 2019-10-25
Rated 5 out of 5 by from very easy questions to understands very happy with the layout of questions and was easy to navigate through the website
Date published: 2019-10-09
Rated 5 out of 5 by from so easy I got car insurance and home contents insurance at the same time. It was very easy, and I've got two weeks to pay, and I'm covered right now!
Date published: 2019-10-04
Rated 5 out of 5 by from Excellent Service It was very easy to complete all the details I had no problems. Thank You
Date published: 2019-09-30
Rated 3 out of 5 by from It was fairly painless It was relatively easy to put in details of what i wanted coverd
Date published: 2019-09-24
Rated 2 out of 5 by from online help was not so good. I went thru the process and got an online quote, then chatted with your representative online. He said he could give me a better price, $1641, and would send it to my email to confirm. Nothing was sent, I only got my original quote of 1676.82. I paid $1676 today by mastercard.
Date published: 2019-08-29
Rated 5 out of 5 by from Great website. Very simple to get a quote. Lets hope your claims are as easy!
Date published: 2019-07-11
Rated 3 out of 5 by from Not a great experience Not very happy with the way AAMI has handled the renewal of my Home and Contents Policy, with me ringing and asking them if they could do a better price than the renewal sent to me. I went online and put in all the same details and got a quote that was $100 odd cheaper and when I rang AAMI, they would not match it, so have had to accept the online quote and will cancel my old policy in order to get the cheaper price. Could have done better with the service AAMI!!!!
Date published: 2019-06-05
Rated 5 out of 5 by from Happy with type of cover offered Extremely easy application to follow with 'help' along the way when needed.
Date published: 2019-04-03
Rated 4 out of 5 by from Great Online experience! Online navigation was easy and really did i found what I wanted.
Date published: 2019-03-24
Rated 5 out of 5 by from Great Staff Every time I have to do anything online or person to person AMMI & it's staff ALWAY's MAKE IT EASY, well done to you all & thank you all
Date published: 2019-03-10
Rated 5 out of 5 by from Simple process with cover to put your mind at rest With AAMIs’ complete coverage option to cover your home from being under insured you can be rest assured you won’t have any stress if you need to claim. The form completion process was simple and fast and the quote very competitive.
Date published: 2019-01-29
Rated 5 out of 5 by from online policy Love being able to get my new policy online, it was so easy and quick!
Date published: 2019-01-16
Rated 5 out of 5 by from Sooooooo Easy! I already have a car insurance policy with AAMI, so when I bought my new home, AAMI was my natural first choice for my home contents insurance. It was such an easy process to follow and in less than 5 minutes, my new home was covered - peace of mind in an instant!
Date published: 2019-01-05
Rated 5 out of 5 by from Great features I didn’t realise how quick & easy it was to organise.
Date published: 2018-12-18
Rated 5 out of 5 by from Competitive It was a quick competitive and ‘comprehensive’ process!
Date published: 2018-11-17
Rated 5 out of 5 by from Great features. Easy D.I.Y. over the internet. I'm very happy about my experience with on line home and content insurance.
Date published: 2018-10-24
Rated 2 out of 5 by from Renewal dearer than a new policy Why is a renewal more expensive than a new policy?
Date published: 2018-10-16
Rated 5 out of 5 by from great way to seek insurance easy to answer questions, simple to access, best value after days of searching
Date published: 2018-10-11
Rated 4 out of 5 by from Good Price Happy with end result that,s all I need to say, please do not e-mail me
Date published: 2018-09-24
Rated 5 out of 5 by from great policy so easy to do, lined up on lin and had cover shortly
Date published: 2018-08-18
Rated 3 out of 5 by from bad policy renewal The policy renewal quote is always more than the on line quote. As a long time AAMI customer I think I should be quoted the best possible price for the policy and i should not have to go through the process of going on line.
Date published: 2018-07-30
Date published: 2018-07-12
Rated 5 out of 5 by from Competitively Priced Decided to go with AAMI as my car insurance is with them too and they're competitively priced.
Date published: 2018-07-12
Rated 4 out of 5 by from Easy home insurance Easy to use and understand. Good discount for being a current customer
Date published: 2018-07-11
Rated 5 out of 5 by from Information everywhere, YES! I found this whole experience incredibly easy, quick and informative. Every question I had, there was an answer to. Thanks AAMI, I look forward to being covered by you if this is the kind of experience I can expect.
Date published: 2018-07-10
Rated 5 out of 5 by from Easy to use Really happy with the price and ease of use and the website was easy to follow
Date published: 2018-07-10
Rated 4 out of 5 by from wonderful value I have been happy with this experience I received the information required
Date published: 2018-07-09
  • y_2020, m_4, d_2, h_19
  • bvseo_bulk, prod_bvrr, vn_bulk_3.0.5
  • cp_2, bvpage2n
  • co_hasreviews, tv_81, tr_1262
  • loc_en_AU,, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_aami
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 144ms

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

Need a hand?

Chat to us online now