Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

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.

Home &
 Contents Insurance

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 YOU 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.

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.

Home Insurance is rated 4.5 out of 5 by 1345.
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
Rated 5 out of 5 by from Easy to access and process Very helpful in explaining the policy details for comparison with our previous provider
Date published: 2019-11-15
Rated 5 out of 5 by from Easy as 1 2 3 It's so easy to get a quote from your website - other insurers want to call you or harass you but I never have this complication with AAMI
Date published: 2019-10-25
Rated 3 out of 5 by from Entering Address The address was not found even when i entered it manually and any error clears the form then adding a post office box required a street number and name
Date published: 2019-10-25
Rated 5 out of 5 by from very easy questions to understands very happy with the layout of questions and was easy to navigate through the website
Date published: 2019-10-09
Rated 5 out of 5 by from so easy I got car insurance and home contents insurance at the same time. It was very easy, and I've got two weeks to pay, and I'm covered right now!
Date published: 2019-10-04
Rated 5 out of 5 by from Excellent Service It was very easy to complete all the details I had no problems. Thank You
Date published: 2019-09-30
Rated 3 out of 5 by from It was fairly painless It was relatively easy to put in details of what i wanted coverd
Date published: 2019-09-24
Rated 2 out of 5 by from online help was not so good. I went thru the process and got an online quote, then chatted with your representative online. He said he could give me a better price, $1641, and would send it to my email to confirm. Nothing was sent, I only got my original quote of 1676.82. I paid $1676 today by mastercard.
Date published: 2019-08-29
Rated 5 out of 5 by from Great website. Very simple to get a quote. Lets hope your claims are as easy!
Date published: 2019-07-11
Rated 3 out of 5 by from Not a great experience Not very happy with the way AAMI has handled the renewal of my Home and Contents Policy, with me ringing and asking them if they could do a better price than the renewal sent to me. I went online and put in all the same details and got a quote that was $100 odd cheaper and when I rang AAMI, they would not match it, so have had to accept the online quote and will cancel my old policy in order to get the cheaper price. Could have done better with the service AAMI!!!!
Date published: 2019-06-05
Rated 5 out of 5 by from Happy with type of cover offered Extremely easy application to follow with 'help' along the way when needed.
Date published: 2019-04-03
Rated 4 out of 5 by from Great Online experience! Online navigation was easy and really did i found what I wanted.
Date published: 2019-03-24
Rated 5 out of 5 by from Great Staff Every time I have to do anything online or person to person AMMI & it's staff ALWAY's MAKE IT EASY, well done to you all & thank you all
Date published: 2019-03-10
Rated 5 out of 5 by from Simple process with cover to put your mind at rest With AAMIs’ complete coverage option to cover your home from being under insured you can be rest assured you won’t have any stress if you need to claim. The form completion process was simple and fast and the quote very competitive.
Date published: 2019-01-29
Rated 5 out of 5 by from online policy Love being able to get my new policy online, it was so easy and quick!
Date published: 2019-01-16
Rated 5 out of 5 by from Sooooooo Easy! I already have a car insurance policy with AAMI, so when I bought my new home, AAMI was my natural first choice for my home contents insurance. It was such an easy process to follow and in less than 5 minutes, my new home was covered - peace of mind in an instant!
Date published: 2019-01-05
Rated 5 out of 5 by from Great features I didn’t realise how quick & easy it was to organise.
Date published: 2018-12-18
Rated 5 out of 5 by from Competitive It was a quick competitive and ‘comprehensive’ process!
Date published: 2018-11-17
Rated 5 out of 5 by from Great features. Easy D.I.Y. over the internet. I'm very happy about my experience with on line home and content insurance.
Date published: 2018-10-24
Rated 2 out of 5 by from Renewal dearer than a new policy Why is a renewal more expensive than a new policy?
Date published: 2018-10-16
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 4 out of 5 by from EASY TO JOIN EASY TO JOIN ONLINE FOUND TO BE ONE OF THE CHEAPEST
Date published: 2018-07-12
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 5 out of 5 by from Information everywhere, YES! I found this whole experience incredibly easy, quick and informative. Every question I had, there was an answer to. Thanks AAMI, I look forward to being covered by you if this is the kind of experience I can expect.
Date published: 2018-07-10
  • y_2020, m_5, d_28, h_14
  • bvseo_bulk, prod_bvrr, vn_bulk_3.0.8
  • cp_2, bvpage2n
  • co_hasreviews, tv_81, tr_1264
  • loc_en_AU, sid_in.aami.home.buy, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_aami
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 162ms
  • REVIEWS, PRODUCT

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

Need a hand?

Chat to us online now