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 insurer provider of around 800,000 Australian homes.

Great Customer Rewards

Buy car & home insurance to
Save 20%
before 5 July!

Both new and existing eligible customers can save 20% off their second new eligible policy.

Second New Eligible Policy

  • If you purchase or have an existing AAMI Car or Motorcycle policy, you can get 20% off new AAMI home insurance.  (‘New AAMI home insurance’ excludes landlord, strata and fire and theft contents insurance)
  • If you purchase or have an existing AAMI Home, Landlord or CTP policy, you can get 20% off new AAMI car insurance.  (‘New AAMI car insurance’ excludes CTP and Roadside Assist) 

Refer to the T&Cs.

First Eligible Policy

If you first purchase or have an existing AAMI Car, AAMI CTP NSW, AAMI Motorcycle, AAMI Home and/or Contents and AAMI Landlord insurance policies, you will be eligible for this campaign. Refer to the T&Cs.

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 Home Insurance do you need?

Whether you’re a homeowner, renter or landlord, AAMI offers home insurance that can help keep you covered. You can get coverage for your building, the contents inside it or both, for houses, townhouses, apartments and more.

AAMI Home and Contents Insurance offers cover for events like storms, fire and theft, as well as optional cover for portable items like jewellery, watches and bicycles. You can also consider Complete Replacement Cover, which offers our best protection against under-insurance.

More for AAMI customers

Added security

Wireless and easy to install. No ongoing costs.

Energy efficient

Carbon-neutral. Long-lasting bulbs that use less energy.

Smart technology

App controlled. Some products are Google Home and Amazon Alexa compatible*.

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.

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

Home insurance articles

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles
View all AAMI Answers

Frequently asked questions

 

Find out exactly what AAMI customers think about our Home Insurance.

Home Insurance is rated 4.5 out of 5 by 1327.
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 3 out of 5 by from Doesn't value customer loyalty When my AAMI home insurance policy came up for renewal, I checked online and could get the exact same coverage with AAMI for $100 less. I called AAMI customer support and was told that they cannot match the price for the new policy online. Clearly, AAMI values new customers over existing customers, so I had to take out a "new" policy to obtain the savings that they can't match on my "existing" policy. It requires extra time from me and shows that AAMI doesn't value customer loyalty.
Date published: 2019-02-11
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
  • y_2019, m_6, d_12, h_16
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.12
  • cp_1, bvpage1
  • co_hasreviews, tv_81, tr_1246
  • loc_en_AU, sid_in.aami.home.buy, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_aami
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 103ms
  • REVIEWS, PRODUCT

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.

Got a question?

Ask the AAMI Virtual Assistant