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OUR TOTAL HOME COVERAGE

Home and Contents Insurance

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.

approved repairs guaranteed for life, talk to a real person, claim online no queues
online offer

Get a quote online
save $50

  • Up to 10% discount when you buy Home and Contents together*
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We've got you well covered

Giving you peace of mind

  • 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 repair or build it no matter the cost to us.

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

 

Complete Replacement Cover

OPTIONAL EXTRA

Our best protection against underinsurance. With no set limit, we cover the rebuilding of your home, no matter the cost to us.

Find out more

Is your home on a shared block? Do you share any walls?

If your home building 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

  • Quick repair or replacement
    Up to your Sum Insured within limits
  • New for old replacement
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 building is
unliveable

  • Repairs up to the Sum Insured
  • Temporary accommodation up to 52 weeks
  • Storage of undamaged contents

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
  • Tasks to get your home back to how it was
  • Regular communication with you throughout the process.

Wait, there's more!

Optional extras

Complete Replacement Cover

Our best protection against underinsurance. With no set limit, we cover the rebuilding of your home, no matter the cost to us.

Find out more

High value items

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

Find out more

Portable Items

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

Find out more

Helping you get a better deal

Smart 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.

I cannot speak highly enough about the way our claim for hail damage was handled by AAMI. From the initial contact through to completion every contact was handled professionally, with courtesy and very, very promptly. Our AAMI Claims Manager, AAMI Assessor, and our AAMI appointed Works Manager, really micro managed the whole process. They kept us fully up to date with repairs timetable, scope of works, and tradespeople schedules.

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars Customer Rating

by Kiwikev from QLD on Home and Contents Insurance

Reviews managed and sourced by BazaarVoice.

Watch this video to learn about AAMI home building insurance in under 2 mins

AAMI Lucky Club offers unique experiences exclusive to our customers. Access to shows, events and attractions with a little something extra – for you to enjoy with family and friends. That’s not very insurancey.