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TOTAL HOME COVERAGE

Home and Contents Insurance

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*

Get a quote

or are you

Looking for something else

What is Home and Contents Insurance?

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.

HOME AND CONTENTS INSURANCE

$50 OFFnew policies when purchased online

Covers loss of and damage to your home, garage, shed and their 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.

DISCOUNTS AVAILABLE

 

Get a quote

Policy document downloads

Product Disclosure Statement (PDS)

  • Damage to or loss of your home building, garages, sheds and their contents

    Caused by fire, break-ins or weather events such as floods, storms, lightning, bushfires, earthquake, tsunamis - and even meteorites!


  • Damage to other people and their property

    Up to $20 million cover for your legal liability for an incident at your home address connected to you owning or living there.


  • Option to upgrade to Complete Replacement Cover

    Our best protection against underinsurance. 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.

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

Insured events

AAMI Home Insurance can cover your home and its contents against a range of insured events.

  • Flood
  • Storm
  • Lightning
  • Fire
  • Earthquake
  • Tsunami
  • Theft or burglary
  • Accidental breakage of glass
  • Escape of liquid
  • Impact
  • Damage by an animal
  • Explosion
  • Riot, civil commotion or public disturbance
  • Malicious acts and vandalism

OPTIONAL EXTRAS FOR
AAMI Home and Contents 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.

HIGH VALUE ITEMS

Choose to specify vaules for individual items such as jewellery, art and antiques kept in the home.

PORTABLE ITEMS

Extra cover for handbags, laptops, mobile phones and a range of other items that you're likely to take outside your home.

What AAMI Home and Contents Insurance covers

IF YOUR HOME IS
Damaged*

*If your home is damaged by an insured event

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

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

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! 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:

  • Food and drinks $1,076
  • Clothing and footwear $176
  • Fuel $164
  • Household furnishings $232

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

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:

  • Any Car and Vehicle policies, except SA and ACT CTP
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health

 

AAMI customers with the following insurance policies aren’t eligible for either program:

  • CTP (SA and ACT)
  • Business
  • Pet
  • Travel

Helping you get a better deal

Combine AAMI Home Building & Contents

Buy your building and contents insurance at the same time and save.

Increase your excess

Sounds complex but it's very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess, to lower your premium.

Pay annually

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 & Contents Insurance
Frequently asked questions

*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.

 

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

Home and Contents Insurance is rated 4.6 out of 5 by 627.
Rated 5 out of 5 by from great way to seek insurance easy to answer questions, simple to access, best value after days of searching
Date published: 2018-10-11
Rated 4 out of 5 by from Good Price Happy with end result that,s all I need to say, please do not e-mail me
Date published: 2018-09-24
Rated 5 out of 5 by from great policy so easy to do, lined up on lin and had cover shortly
Date published: 2018-08-18
Rated 3 out of 5 by from bad policy renewal The policy renewal quote is always more than the on line quote. As a long time AAMI customer I think I should be quoted the best possible price for the policy and i should not have to go through the process of going on line.
Date published: 2018-07-30
Rated 5 out of 5 by from Competitively Priced Decided to go with AAMI as my car insurance is with them too and they're competitively priced.
Date published: 2018-07-12
Rated 4 out of 5 by from Easy home insurance Easy to use and understand. Good discount for being a current customer
Date published: 2018-07-11
Rated 4 out of 5 by from wonderful value I have been happy with this experience I received the information required
Date published: 2018-07-09
Rated 5 out of 5 by from so easy to use Compared to other sites - this was so easy to use!!
Date published: 2018-07-09
Rated 5 out of 5 by from Saved $60 Very easy, saved $60, only took 5 minutes to set up!
Date published: 2018-07-09
Rated 4 out of 5 by from Simple and quick The online quote request was easy to follow and very quick to complete.
Date published: 2018-07-09
Rated 1 out of 5 by from I found this web site portal extremely frustrating your insurance application web site is very user unfriendly I had spent at least 1.5 hours trying to get to the point where I could pay. then trying to get a quote for life insurance I just gave up.
Date published: 2018-07-08
Rated 5 out of 5 by from Way too easy Have used AAMI in the past with motor as well and very please with the prompt responses to queries and the ease of use of the various services.
Date published: 2018-07-08
Rated 4 out of 5 by from A great product with minor user unfriendly factors. The web works well once you get used to it, but otherwise a smooth system.
Date published: 2018-07-06
Rated 4 out of 5 by from Easy navigation. Paying online is quick & easy. We shop around for good value with our insurances & AAMI provided that this time.
Date published: 2018-07-05
Rated 5 out of 5 by from easy to negotiate website I am very happy with the service i have had today, thank you
Date published: 2018-07-05
Rated 5 out of 5 by from super easy insuring our first home was super easy with AAMI's online system, we will be moving our car insurance over soon. go AAMI!
Date published: 2018-07-04
Rated 4 out of 5 by from great deal very good and easy.dont be conned by others ripping you off this company doesnt
Date published: 2018-07-03
Rated 5 out of 5 by from Great Home and Contents Insurance I was very happy with the price of my policy. AAMI are one of only a few companies that allow you to insure a granny flat as one of their options. They made it easy for me to cover all necessary items.
Date published: 2018-07-03
Rated 5 out of 5 by from No stupid questions Happy with online quote, relatively easy. Reasonable quote.
Date published: 2018-07-02
Rated 4 out of 5 by from great price fields automatically popped up which was excellent
Date published: 2018-07-02
Rated 5 out of 5 by from Easy site to use and clear wording makes understandable Online quoting process was easy to use. Policy inclusions were good for us.
Date published: 2018-06-29
Rated 5 out of 5 by from NO issue at all Very user friendly and great introductions, have no problem at all
Date published: 2018-06-28
Rated 5 out of 5 by from Great features Im Very happy with my experience and features provided
Date published: 2018-06-28
Rated 5 out of 5 by from mrs I am extremely happy with my experience. Good on you.
Date published: 2018-06-28
Rated 5 out of 5 by from easy to use online compettively low pricing with numerous additional covers with minimal increases
Date published: 2018-06-28
Rated 5 out of 5 by from Easy to buy online Very happy with the process everything went smoothly
Date published: 2018-06-27
Rated 4 out of 5 by from Relatively easy to use but odesn't provide detailed info in certain areas. It would be helpful if you provided a size reference for what constitutes a small garden shed, eg up to ?? square metres. I had to use another insurance companies guide to get an idea of where my shed fits. It said up to the size of a single garage. Hopefully yours is similar. There is also nowhere to indicate my home has an enclosed patio aka sun room. I had to call AAMI to discover I should include it as a balcony deck. Another problem I encountered was that although my duplex is stand alone and not subject to any body corporate laws and doesn't share any common areas, it is still officially listed as a strata plan. Again I had to seek clarification from your staff and one person thought it had to be listed as strata so I asked her to verify that with a superior and she came back with the news that in fact it wasn't considered a strata for insurance purposes and that she was glad I'd asked to check as she'd learn't something from our encounter. Apart from that it all went smoothly, lol.
Date published: 2018-06-26
Rated 5 out of 5 by from Quick and easy No long unnecessary questions and same questions asked again and again
Date published: 2018-06-26
Rated 5 out of 5 by from Easy to navigate Well set out and easy to navigate. Pre-filling of details also makes it easier
Date published: 2018-06-26
Rated 5 out of 5 by from Straight forward. The process was simple and straight forward to do.
Date published: 2018-06-25
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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

  • Heavy downpours of rain (unless they actually cause a 'flood')
  • Sea or ocean movements (such as storm surges, high tides or wave action)
  • Tsunamis (which may be covered as 'earthquakes')

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