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TOTAL HOME COVERAGE

Home and Contents Insurance

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

Great Customer Rewards

Buy car & home insurance to
Save 20%
before 5 July!

Both new and existing eligible customers can save 20% off their second new eligible policy.

First Eligible Policy

If you first purchase or have an existing AAMI Car, AAMI CTP NSW, AAMI Motorcycle, AAMI Home and/or Contents and AAMI Landlord insurance policies, you will be eligible for this campaign. Refer to the T&Cs.

Second New Eligible Policy

  • If you purchase or have an existing AAMI Car or Motorcycle policy, you can get 20% off new AAMI home insurance.  (‘New AAMI home insurance’ excludes landlord, strata and fire and theft contents insurance)
  • If you purchase or have an existing AAMI Home, Landlord or CTP policy, you can get 20% off new AAMI car insurance.  (‘New AAMI car insurance’ excludes CTP and Roadside Assist) 

Refer to the T&Cs.

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 Home Insurance quotes online to quickly show you how much it would cost to cover your house and contents.

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

This link doesn't apply the Double Up and Save 20% offer. Find out more.

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

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.

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.

 

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 628.
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 3 out of 5 by from Doesn't value customer loyalty When my AAMI home insurance policy came up for renewal, I checked online and could get the exact same coverage with AAMI for $100 less. I called AAMI customer support and was told that they cannot match the price for the new policy online. Clearly, AAMI values new customers over existing customers, so I had to take out a "new" policy to obtain the savings that they can't match on my "existing" policy. It requires extra time from me and shows that AAMI doesn't value customer loyalty.
Date published: 2019-02-11
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 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 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
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