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TOTAL HOME COVERAGE

Home and Contents Insurance

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

Get a quote online
SAVE $50

Up to 10% discount when you buy Home & Contents together*

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Complete Replacement Cover
Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  ( 5.0 out of 5)

What is AAMI Home and Contents Insurance?

When you take out combined home and contents cover, your house and personal belongings inside the home are financially protected in an insured event. AAMI offers quotes online to quickly show you how much it would cost to cover your house and contents.

HOME AND CONTENTS INSURANCE

$50 off Home & Contents Insurancewhen you buy 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.

DISCOUNTS AVAILABLE

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  • 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 or rebuild your house as it was or pay you the cash equivalent.

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

OPTIONAL EXTRAS FOR
AAMI Home and Contents Insurance

COMPLETE REPLACEMENT COVER

Our best protection against underinsurance. With this optional extra you won't have a set sum insured limit for rebuilding your house.

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

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

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 damaged by an insured event

**If your contents are damaged by an insured event or stolen

***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.

HELPING YOU GET A BETTER DEAL
Smarter ways to lower your premium

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 it in one go! You can save with us by choosing to pay your policy annually, since paying in monthly instalments costs a bit more.