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Home and Contents Insurance

AAMI is the trusted insurer of around 800,000 Australian Households.

Lucky you're with AAMI

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

What is Home and Contents Insurance?

Home and Contents Insurance conveniently combines building-only and contents-only insurance. It covers a range of insured events, such as fire, theft or attempted theft, storms and lightning. It offers homeowners repair or replacement of damaged property, as well as the contents inside that property.

AAMI Home & Contents Insurance

Most Popular

Complete Replacement Cover and Approved Repairs badges

Most popular

Temporary Accommodation

If your home is damaged by an insured event and you can't stay there while it's being repaired or rebuilt, we'll cover up to the lesser of 52 weeks or 10% of the building sum insured for temporary accommodation, so you still have a roof over your head.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out and that appliance is less than 7 years old, we'll help you take care of repair or replacement.

what's included?

  • Rebuilding or repairing your home
  • Repairing or replacing your contents
  • Temporary Accommodation
  • Cover for spoiled food and medication
  • Cover for motor burnout 

Full list of coverage types

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.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable items accidental loss or damage

Add cover for those portable items that might be damaged while you're out and about, like smartphones, handbags, laptops.

what's optional?

  • Complete replacement cover
  • Specified valuable items
  • Portable items accidental loss or damage

what events are covered?

  • Fire
  • Storm, flood or lightning
  • Accidental glass breakage
  • Malicious damage and vandalism
  • Theft or attempted theft

Full list of insured events


Save $50
When get a quote and buy online

Get a quote

Policy document downloads

Product Disclosure Document (PDS)

EASY CLAIMS PROCESS

Helping you at every step

If you ever need to claim, your dedicated Client Manager will organise every detail from beginning to end.

  • All quotes and repairs
  • Sourcing of materials and replacement items
  • Requirements of your local council or authority
  • Regular communication with you throughout the process.

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.

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.

Village and Event Cinemas

Due to the COVID-19 situation, our partners at Village and Event Cinemas have temporarily closed their doors. We hope to see them back soon.

What's covered by Home and Contents Insurance

Covers loss of and damage to your home, garage, shed and their household contents, caused by fire, break-ins and weather events. Includes storm, flood and bushfire. You can get a Home and Contents Insurance quote online, quickly and easily.

Your Building

Your Contents

Optional Extras

Insured Events

These are the things that you'll be able to make a claim for, if they cause loss or damage to your building or contents. Most of them have limits, conditions and exclusions, so make sure you check the policy documents so you know exactly what's covered.

We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail

AAMI Home & Contents Insurance
Frequently asked questions

 

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

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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Temporary Accommodation

If your home is damaged by an insured event and you can't stay there while it's being repaired or rebuilt, we'll cover up to the lesser of 52 weeks or 10% of the building sum insured for temporary accommodation, so you still have a roof over your head.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out and that appliance is less than 7 years old, we'll help you take care of repair or replacement.

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.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable items accidental loss or damage

Add cover for those portable items that might be damaged while you're out and about, like smartphones, handbags, laptops.

Need a hand?

Chat to us online now