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TOTAL HOME COVERAGE
AAMI is the trusted insurer of around 800,000 Australian Households.
Lucky you're with AAMI
$50 OFF
New policies when purchased online
Up to 10% discount when you buy Home and Contents together*
or are you
Looking for something else
Home and Contents Insurance conveniently combines building-only and contents-only insurance. It offers homeowners and landlords repair or replacement of damaged property, as well as the contents inside that property. It covers a range of insured events, such as fire, theft or attempted theft, storms and lightning.
This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.
* Up to 10% combined policy discount does not apply to any extra premium for portable valuables cover
Real Customers
AAMI Home Insurance can cover your home and its contents against a range of insured events.
IF YOUR HOME IS
Damaged*
*If your home is damaged by an insured event
Your Sum Insured is the amount for which you choose to insure your home, and is the maximum we’ll pay to repair or rebuild it, or the maximum cash settlement we will offer. Being under-insured can cost you if there’s ever an incident, and being over-insured may incur needless extra premium payments, so it’s important to be accurate. If you need help calculating a precise value for your home, consider getting advice from an architect, builder or other qualified professional.
Or, consider AAMI Complete Replacement Cover. With this optional extra you won’t have a set sum insured limit and if your home is damaged or destroyed by an insured event, we’ll choose to repair or rebuild your house or pay you the cash equivalent.
We’ll cover demolition and removal of debris for up to 10% of your Building Sum Insured. Your Sum Insured is the amount for which you choose to insure your home, and is the maximum we’ll pay to repair or rebuild it. So, if your Sum Insured is $500,000, we’ll pay up to an additional $50,000 on top of your Sum Insured for demolition and removal of debris. And, just so you know, we won’t remove any debris (fallen tree branches, for example) that hasn’t damaged the building, and won’t demolish any undamaged part of the building.
If you have Complete Replacement Cover, we will cover reasonable and necessary costs.
We’ll cover demolition and removal of debris for up to 10% of your Building Sum Insured. Your Sum Insured is the amount for which you choose to insure your home, and is the maximum we’ll pay to repair or rebuild it. So, if your Sum Insured is $600,000, we’ll pay up to an additional $60,000 on top of your Sum Insured for the cost of work required to make the site safe, surveyors and architects (if required), and ensuring that the damaged parts of the building comply with current laws and regulations.
If you have Complete Replacement Cover, we will cover reasonable and necessary costs.
Sum Insured (Home Building)
The amount you choose to insure your home for, which is the maximum we'll pay to repair or rebuild it in the event of an incident.
It's important that the amount accurately reflects the replacement value of your home building. We recommend seeking the services of an architect, builder or other qualified professional for an accurate estimate. There are also numerous free calculators on Australian websites to help you work it out.
IF YOUR CONTENTS ARE
Damaged or stolen**
**If your contents are damaged by an insured event or stolen
We’ll offer to repair or replace your Contents up to your Sum Insured (limits apply). Your Sum Insured is the amount for which you choose to insure your contents, and the maximum we’ll pay to repair or replace them. It’s important to be as accurate as you can to avoid under- or over-insurance, both of which can cause headaches. If you’re not sure about the value of your contents, we offer a Home Contents Calculator that may come in handy. Some contents—like home office equipment or trade tools—have fixed limits that can’t be changed. Others, like jewellery and artworks, have flexible limits that you can ask us to increase (see the PDS for further details).
This just means that we won’t take age or depreciation into account when determining the best replacement or repair options for your contents. We’ll replace or repair with new items of the same type, standard and specification as your items were when they were new. If the exact same type is not available, we will replace with similar items.
Home Contents
Imagine you had the power to pick up your house and turn it upside down. All the household items that fall out are considered 'contents' (except for some things like cars and pets) and can be covered by AAMI Home Contents Insurance. Things left behind, like fences, light fixtures, solar panels, pergolas...even spas - may be covered by AAMI Home Building Insurance.
This is just a summary. For full details, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
Sum Insured (Home Contents)
The total amount you choose to insure he contents of your home for. It's the maximum we'll pay to repair or replace them in the event of an incident.
It's important that the 'Sum Insured' accurately reflects the replacement value of your contents.
IF YOUR HOME IS
Unliveable***
***If your home is unliveable as a result of an insured event
Your Sum Insured is the amount for which you choose to insure your home, and the maximum we’ll pay to repair or rebuild it, or the maximum cash settlement we will offer. Being under-insured might cost you if there’s ever an incident, and being over-insured may incur needless extra premium payments, so it’s important to be accurate. Get advice from an architect, builder or other qualified professional if you need to.
Or, consider AAMI Complete Replacement Cover. With this optional extra you won’t have a set sum insured limit and if your home is damaged or destroyed by an insured event, we’ll choose to repair or rebuild your house or pay you the cash equivalent.
We don’t want to leave you stranded, so we’ll pay for you and your family’s temporary accommodation for up to 52 weeks (up to 10% of the building sum insured) while repairs are underway. We’ll also pay for mail redirection and utility connection at the temporary accommodation residence, to help make this pretty stressful period a little less so.
If you have Complete Replacement Cover, we will cover reasonable and necessary costs.
If you have AAMI Home Contents Insurance and your contents items have been damaged by an insured event, and the undamaged contents can’t be stored at your home in the aftermath of an insured event, we’ll pay the reasonable costs to store them elsewhere until they can once again be stored at home. The most we’ll pay is 10% of your contents sum insured. FYI, we won’t pay storage costs if the place of storage is also your temporary accommodation, or if those costs are incurred outside Australia.
EASY CLAIMS PROCESS
If you ever need to claim, your dedicated Client Manager will organise every detail from beginning to end.
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:
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
To access Suncorp Benefits, log in to your account or download the Suncorp App and link an eligible policy.
Suncorp Benefits is operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873, available to eligible Suncorp Network brand customers. Use of Suncorp Benefits is subject to its Terms and Conditions and the operator's Privacy Policy.
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:
AAMI customers with the following insurance policies aren’t eligible for either program:
Buy your building and contents insurance at the same time and save.
Sounds complex but it's very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess, to lower your premium.
Pay in one go! If you pay your premium annually, you won't pay as much as if you pay in monthly instalments.
AAMI Home Insurance includes cover for damage to your home and/or its contents (depending on your level of cover) for damage caused by floods.
However, you may be eligible to remove flood cover from your policy. If you decide to do so, this will be reflected on your certificate of insurance. To find out whether you’re eligible to remove this cover, please contact us.
For policy purposes, ‘flood’ is defined as the covering of normally dry land by water that has escaped or been released from:
Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply. Please refer to the PDS for details.
You should insure your contents for the amount you think it will cost to repair or replace them, should you ever need to. It can be difficult to estimate this, so we offer a Contents Sum Insured Calculator that can help you work it out.
Home Insurance has a few different types.
No, there is no legal requirement that you have home insurance in Australia.
However, if you take out a mortgage to buy your home, it’s likely that your lender will insist on adequate home insurance as a condition of the loan.*
*The information is intended to be of general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.
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.
What do you mean by 'flood'?
Basically, it means a large amount of water overflowing beyond its normal limits over dry land.
The Federal Government's legal definition of flood is 'the covering of normally dry land by water that has escaped or been released from the normal confines of any lake, river, creek or other natural watercourse, whether or not altered or modified; or any reservoir, canal or dam.'
It doesn't mean
