Home and Contents Insurance
Cover for your home and the things in it.
Save $50
WITH A FIRST YEAR ONLINE DISCOUNT More information on With a first year online discount
Get a quote
Retrieve an existing quote
center
half
center
narrow
Lucky you’re with an Award Winner
AAMI is proud to be recognised as Canstar’s Outstanding Value Home and Contents Insurance provider for Australia. Our commitment to delivering comprehensive coverage and competitive pricing has also earned us National and state-based awards.
neutral
tick
primary
Loss or damage
If your home and contents are lost or damaged by an insured event, the most we will pay for any one incident is the building and/or contents sum insured, unless we say otherwise in your policy. Your home includes garages, shed and solar panels, among other things.
What's covered
tick
primary
‘New for old’ replacement or repair
We replace or repair contents with new items or material that are reasonably available, of the same (or similar if not available) type, standard and specification (but not brand) as when new.
What's covered
tick
primary
Weather events
We provide cover for damage caused by storm, hail, fire (including bushfire) and floods. More information on weather events cover
What's covered
tick
primary
Theft or burglary
We provide cover for loss and damage caused by thieves and burglars.
What's covered
tick
primary
Temporary accommodation
If your home is damaged and can't be lived in after an insured event, we offer cover for your reasonable and necessary temporary accommodation costs while your home is being repaired or rebuilt so it can be lived in again. More information on temporary accommodation
What's covered
tick
primary
Cover for legal liability for your Home and Contents
$20 million legal liability cover including associated legal costs More information on cover for legal liability for your Home and Contents
What's covered
cross
error
Wear, tear and deterioration
We don’t cover wear, tear or deterioration of the building or contents.
What's not covered
cross
error
Defects, faults or poor workmanship
Damage due to structural defects, faults or poor workmanship isn’t covered.
What's not covered
cross
error
Broken electrical items (unless by insured event)
If an electrical item simply stops working or malfunctions, this isn’t covered. We do provide motor burn out cover for some items and cover for damage caused by lightning strike.
What's not covered
cross
error
Damage from home renovations, alterations or extensions
Any parts of the building damaged by building works or by storm, flood or water, entering through an area of the building under construction isn’t covered.
What's not covered
cross
error
Vehicle keys
Keys and keyless electronic starters for vehicles aren’t covered, unless they belong to vehicles covered as “contents” under your policy such as ride-on mowers, mobility scooters and medical aids, or golf carts.
What's not covered
cross
error
Short-term tenancies
If the home is used as a short-term rental or as part of a holiday letting arrangement like via online booking platforms, it won’t be covered.
What's not covered
cross
error
Cash and vouchers
We don’t cover cash, smart cards or phone cards, cashable or tradable documents, vouchers, tickets or money orders. We also don’t cover stamps, unless they’re in a set or collection.
What's not covered
center
This information is a summary only. For more info on what is and isn’t covered, including terms, limits, conditions and exclusions, read the Product Disclosure Statement (PDS).
light
What’s optional
Accidental damage at home
If you drop, knock over or otherwise accidentally damage your contents, this optional cover can assist with repair or replacement.
Explore Accidental damage at home
Excess-free Glass cover
Pay no excess for claims for accidental damage to the glass in windows, doors, skylights, shower screens, or mirrors fixed to the building with this optional cover.
Explore Excess-free Glass cover
AAMI Home Assist for your building
Home Assist is an emergency assistance service that offers help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. More information on AAMI Home Assist for your building
Explore AAMI Home Assist for your building
Complete Replacement Cover®
If your home is damaged or destroyed by an insured event, we repair or rebuild your home, or pay you the amount of our builder’s assessed quote to repair or rebuild your home, on a ‘new for old’ basis. You do not set a fixed sum insured with this optional cover. It’s our best protection against under insurance.
Explore Complete Replacement Cover®
Extra Cover Portable valuables
This optional cover provides cover for accidental loss or damage to your valuable personal belongings normally carried with you away from the insured address. Cover is provided for accidental loss or damage anywhere in Australia and New Zealand. More about Extra cover portable valuables
Explore Extra Cover Portable valuables
Contents with flexible limits
These are items where you can choose to increase their limit for an extra premium. They’ll be included when you apply and will be shown on your Certificate of Insurance. More about contents with flexible limits
Explore Contents with flexible limits
center
Other benefits
vertical
center
Ways to manage your policy
AAMI Flexi-Premium Excess®
Guarantee on work we authorise
Ways to manage your policy
Looking for something else?
Landlord Insurance
Cover for your investment property, whether for the building, things in it or both.
Explore Landlord Insurance
Strata Insurance
Cover for residential strata buildings and shared areas.
Explore Strata Insurance
neutral
What is Home and Contents Insurance?
Home and Contents Insurance combines cover for your home and belongings. It offers cover for loss or damage to your building and items inside caused by insured events like fire, theft, storms and lightning. We don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.
Frequently asked questions
AAMI Home & Contents Insurance
block
true
suncorp:AAMI/products/home/building-and-contents