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Just The Building

Home Building Insurance

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

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SAVE $25

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Complete Replacement Cover

We've got you covered
Giving you peace of mind

BUILDING INSURANCE

$25 OFFnew policies when purchased online

Covers loss of and damage to buildings, including your home, garages and sheds, caused by fire, break-ins and wild weather events. Includes storm, flood and bushfire.

ALL DISCOUNTS AVAILABLE

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  • Damage or loss of your home, garages and sheds

    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 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.

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.

OPTIONAL EXTRAS FOR
AAMI Building 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.

More about Complete Replacement

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

Try Strata Insurance

What AAMI Building Insurance covers

IF YOUR HOME IS
Damaged*

*If your home is damaged by an insured event

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

Helping you get 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 its 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.

Proudly Supporting

Victorian State Emergency Service

AAMI has proudly supported the Victorian State Emergency Service since 2002, contributing millions of dollars in equipment and tools to support their work.

Find out more   

Complete Replacement Cover

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.