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Home and Contents Insurance

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

Lucky you're with AAMI

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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.

Home &
 Contents Insurance

Complete Replacement Cover and Approved Repairs badges

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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.

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


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Policy document downloads

Product Disclosure Document (PDS)

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

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.

What am I covered for?

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

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Types of Property Insurance

AAMI Home & Contents Insurance

Frequently asked questions

 

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

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.

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.

Contents damage or loss

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

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