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Just The Building

Home Building Insurance

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.

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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)

We've got you well covered

Giving you peace of mind


  • 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 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.

Easy. fast. 24/7

Paperless claims

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

If your home building is

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 home building is

  • Repairs up to the Sum Insured
  • Temporary accommodation up to 52 weeks

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 extra

Complete Replacement Cover

Our best protection against underinsurance.

Initial communications were quick and efficient. Repairs were slow to start but there were many homes damaged. The quality of repairs by Jephcotes was excellent and their staff were respectful in our home. AAMI provided a relatively hassle free claim process and our home was made secure and repairs, once started, were completed quickly, to our surprise. We highly recommend AAMI and Jephcotes.

Customer Rating 4.0 stars out of 5 stars 4.0 stars out of 5 stars Customer Rating

by Colonel from Sydney Metro NSW on Home Building Insurance

Reviews managed and sourced by BazaarVoice.

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.

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.