Home & Contents Insurance

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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.

What's included

Your home

  • Cover for damage to the building

    Also includes outbuildings like garages and sheds, and other permanent fixtures like fences, decks and solar panels.
  • Temporary accommodation

    If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.
  • Cover for third party liability

    Up to $20 million legal liability cover can help you take care of legal and other costs if a visitor suffers injury, death or property damage at your home.
  • Motor burnout cover

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

Some limits, conditions and exclusions apply. Check out the PDS for more info.

Home Insurance policy documents

Optional covers

Accidental Damage at Home

If you accidentally drop, knock, spill or otherwise damage something at home, this optional cover can help. It can apply to your house itself, your contents, or both, depending on your policy.

Excess-Free Glass

There’s not much more annoying than fixing broken glass. Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Luckily, with this optional cover, AAMI can help.

AAMI Home Assist

AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.

Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

High value items

If you have some 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 valuables

Add cover for those portable items that might be accidentally damaged at home or while you’re out and about, like smartphones, handbags, laptops, and so on.

EASY CLAIMS PROCESS

Helping you at every step

Does your insurer offer a dedicated Claims Manager to organise every detail from beginning to end? AAMI Does.

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

AAMI Home calculators

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AAMI Home & Contents Insurance
Frequently asked questions

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 Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

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 valuables

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

Loss of rent

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.

Loss of rent

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.​

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

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.

Temporary accommodation

If your home is damaged by an insured event and you can’t live there while it’s being repaired or rebuilt, we’ll cover the time it should take to repair or rebuild, up to 52 weeks for temporary accommodation. The most we will pay for any one incident is up to 10% of the building sum insured, unless your certificate of insurance shows that you have Complete Replacement Cover® option, in which case we pay the reasonable and necessary costs.​

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.

Tenant Protection

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

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

Available to 95% of Aussie homes

Some geographic limitations apply.

How AAMI Home Assist works

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.

We can connect you with a plumber, electrician, locksmith or carpenter.

Tax Probe

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Back in Business

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Theft

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Property Damage

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Public and Products Liability

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Damage to other people and their property

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

Loss of rent

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

Loss of rent

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

Contents damage or loss

Only those contents which are owned by the landlord but kept within the property are covered.

Third party cover

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

Lifetime guarantee on building repairs

When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:​

  • authorise;​
  • arrange; and​
  • pay the builder or repairer directly for this work.​

For full details, see the PDS.

Portable valuables

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

Specified contents at home

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.

Temporary Accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary Accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary Accommodation

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Temporary Accommodation

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.

Tenant Protection

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

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 or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

24/7 AAMI Home Assist

Available 24 hours after adding the option to your policy.

General maintenance

AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the Home Assist Terms & Conditions.

Preventative services

Disaster response

AAMI Home Assist is not an emergency rescue or disaster response service. Read the Home Assist Terms & Conditions to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

This doesn’t cover damage caused by:

  • Wear and tear
  • The gradual deterioration of something with age
  • Deliberate acts
  • Defective workmanship

Limits and exclusions

This Optional Cover is for fixed glass only. Refer to the PDS for more information.

Disclaimer

*In March 2024, more than 800,000 addresses were insured with AAMI, (across AAMI Home Building Insurance, AAMI Home Contents Insurance, or AAMI Home and Contents Insurance). This figure includes where a single policy holder has multiple home products for different addresses.

^If you’re eligible for more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges).