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Home Insurance

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

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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! 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.

Eligible AAMI customers

Eligible AAMI customers who hold the following AAMI policies are eligible for both AAMI Lucky Club and Suncorp Benefits:
• Any Car and Vehicle policies, except ACT CTP
• Home and/or Contents, including Landlord and Strata
• Life
• Income Protection

AAMI customers with a Health Insurance policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits.
AAMI customers with a SA CTP policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits. Please call 13 22 44 for assistance.

$850* a year

Suncorp Benefits customers can save up to 15% off eGift Cards from over 100 retailers.

To access Suncorp Benefits, log in to your account or download the Suncorp App and link an eligible policy.

*Savings based on average monthly household spending of:

  • Food and drinks $1,076
  • Clothing and footwear $176
  • Fuel $164
  • Household furnishings $232

Data obtained from ABS Household Expenditure data 2015-16, using a 4% discount on food and drinks and 5% discount on other items. Please note that individual circumstances may vary and affect the amount that can be saved.

Suncorp benefits

AAMI Lucky Club

To access AAMI Lucky Club, log in or register with an eligible policy.

AAMI customers with the following AAMI policies are eligible for AAMI Lucky Club:

  • Any Car and Vehicle policies, except SA and ACT CTP
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health

 

AAMI customers with the following insurance policies aren’t eligible for either program:

  • CTP (SA and ACT)
  • Business
  • Pet
  • Travel

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 1336.
Rated 4 out of 5 by from Easy navigation. Paying online is quick & easy. We shop around for good value with our insurances & AAMI provided that this time.
Date published: 2018-07-05
Rated 5 out of 5 by from easy to negotiate website I am very happy with the service i have had today, thank you
Date published: 2018-07-05
Rated 5 out of 5 by from super easy insuring our first home was super easy with AAMI's online system, we will be moving our car insurance over soon. go AAMI!
Date published: 2018-07-04
Rated 4 out of 5 by from easy to use So far so good, very easy to use and to access and retrieve a quote. So far AAMI have exceeded my expectations.
Date published: 2018-07-04
Rated 5 out of 5 by from So easy!!!! Cannot believe how quick and easy that process was.
Date published: 2018-07-04
Rated 5 out of 5 by from great very easy and fast. online was easy to follow. easy to use
Date published: 2018-07-04
Rated 4 out of 5 by from great deal very good and easy.dont be conned by others ripping you off this company doesnt
Date published: 2018-07-03
Rated 5 out of 5 by from Great Home and Contents Insurance I was very happy with the price of my policy. AAMI are one of only a few companies that allow you to insure a granny flat as one of their options. They made it easy for me to cover all necessary items.
Date published: 2018-07-03
Rated 5 out of 5 by from No stupid questions Happy with online quote, relatively easy. Reasonable quote.
Date published: 2018-07-02
Rated 4 out of 5 by from great price fields automatically popped up which was excellent
Date published: 2018-07-02
Rated 5 out of 5 by from Easy! Setting up my insurance was so quick and easy! And I'm saving hundreds per year compared to my previous insurer for the same coverage!
Date published: 2018-07-01
Rated 5 out of 5 by from Easy site to use and clear wording makes understandable Online quoting process was easy to use. Policy inclusions were good for us.
Date published: 2018-06-29
Rated 4 out of 5 by from Quick and easy Have been with AAMI for all my insurances for years and have always found them to be exceptional!
Date published: 2018-06-29
Rated 5 out of 5 by from Easy to get insurance Easy to get insurance online. Was able to get a quote and buy it quickly and easily.
Date published: 2018-06-29
Rated 5 out of 5 by from Great and easy to follow I am very happy with your quote and ease with which I could get a quote
Date published: 2018-06-29
Rated 5 out of 5 by from Easy to navigate! Really happy with my experience. Super easy to navigate the site.
Date published: 2018-06-28
Rated 5 out of 5 by from NO issue at all Very user friendly and great introductions, have no problem at all
Date published: 2018-06-28
Rated 5 out of 5 by from Great features Im Very happy with my experience and features provided
Date published: 2018-06-28
Rated 5 out of 5 by from mrs I am extremely happy with my experience. Good on you.
Date published: 2018-06-28
Rated 5 out of 5 by from Ease of use This is a great online tool. Thank you AAMI. The contents calculator is also very helpful
Date published: 2018-06-28
Rated 5 out of 5 by from Fantastic very happy with the experience i received online, would recommend to everyone
Date published: 2018-06-28
Rated 3 out of 5 by from Easy process Simple and easy to follow layout of pages. From quote to purchase
Date published: 2018-06-28
Rated 5 out of 5 by from easy to use online compettively low pricing with numerous additional covers with minimal increases
Date published: 2018-06-28
Rated 5 out of 5 by from Easy to buy online Very happy with the process everything went smoothly
Date published: 2018-06-27
Rated 4 out of 5 by from Relatively easy to use but odesn't provide detailed info in certain areas. It would be helpful if you provided a size reference for what constitutes a small garden shed, eg up to ?? square metres. I had to use another insurance companies guide to get an idea of where my shed fits. It said up to the size of a single garage. Hopefully yours is similar. There is also nowhere to indicate my home has an enclosed patio aka sun room. I had to call AAMI to discover I should include it as a balcony deck. Another problem I encountered was that although my duplex is stand alone and not subject to any body corporate laws and doesn't share any common areas, it is still officially listed as a strata plan. Again I had to seek clarification from your staff and one person thought it had to be listed as strata so I asked her to verify that with a superior and she came back with the news that in fact it wasn't considered a strata for insurance purposes and that she was glad I'd asked to check as she'd learn't something from our encounter. Apart from that it all went smoothly, lol.
Date published: 2018-06-26
Rated 5 out of 5 by from Quick and easy No long unnecessary questions and same questions asked again and again
Date published: 2018-06-26
Rated 5 out of 5 by from Easy to navigate Well set out and easy to navigate. Pre-filling of details also makes it easier
Date published: 2018-06-26
Rated 5 out of 5 by from Straight forward. The process was simple and straight forward to do.
Date published: 2018-06-25
Rated 4 out of 5 by from Good value Easy online process and value , one of the lowest quotes
Date published: 2018-06-25
Rated 5 out of 5 by from Great cover, very easy to use The quote I received was a lot cheaper than elsewhere, plus AAMI provide excellent insurance.
Date published: 2018-06-25
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Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except ACT CTP), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers that only hold the following insurance policies aren’t eligible for AAMI Lucky Club: ACT CTP, 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.

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. It means that we'll repair or rebuild your house as it was, or pay you the cash equivalent, 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

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.

Public Liability

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.

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