Building Insurance
Covers loss or damage to your building, as well as any permanent fixtures.
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Loss or damage to the building
We offer cover for loss or damage to your home building up to your sum insured if it’s caused by an insured event.* More information on loss or damage to the building
What’s covered
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Insured weather events
We provide cover for damage caused by storm, hail, fire (including bushfire) flood and earthquake. More information on Insured weather events
What’s covered
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Unoccupied homes
If your home is already insured with us and you’re going away, your policy provides cover for an unoccupied home, if it’s well maintained and in good condition. More information on Unoccupied homes
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Permanent electrical appliances and motor burnout
We cover electrical appliances permanently housed, connected or wired to the building like a wired oven. If a fixed electrical motor of an appliance that is part of the building fuses or burns out and is less than 7 years old, we’ll cover it. More information on Permanent electrical appliances and motor burnout
What’s covered
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Temporary accommodation during repairs or rebuilds
We cover accommodation costs after an insured event, up to 10% of the building sum insured. With Complete Replacement Cover ®, we’ll pay reasonable and necessary costs up to 52 weeks. More information on Temporary accommodation during repairs or rebuilds
What’s covered
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Granny flats and sheds
As long as there’s no separate utility metering and/or it’s not used for farming, we offer cover for granny flats and sheds located within boundaries of the insured address as the building – up to the building sum insured.
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Wear, tear and deterioration
We don’t cover loss or damage, or legal liability caused by or arising from wear, tear and deterioration of the building or contents.
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Carpets and rugs
Carpets and rugs aren’t covered as a part of the building, but are instead covered by AAMI Contents Insurance.
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Non-fixed or inflatable pools and spas
We don’t cover spas, swimming pools or their accessories if they are inflatable or portable.
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Damage from homes undergoing works
We don’t cover loss or damage caused by or arising from, or legal liability caused by or arising from building works to the building or parts of the building.
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Defects, faults or poor workmanship
Any loss or damage to the part of the building with an inherent defect, faulty design, structural defect, or faulty or poor workmanship, whether or not you knew or should reasonably have known about it.
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Short-term renting
If the home is used as a short-term rental or as part of a holiday letting arrangement like those via online booking platforms, we don’t provide any cover at all.
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Anything contents
To cover the things you keep inside your home, consider AAMI Contents Insurance or AAMI Home and Contents Insurance.
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This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS).
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What’s optional
Accidental damage at home
If you accidentally drop, knock, spill or otherwise damage the building, for an additional premium, this optional cover can cover the damage of the building at the insured address during the period of insurance.
Explore Accidental damage at home
Excess-free Glass cover
Pay no excess for claims for accidental damage to replace glass fixed to the building. We'll also pay to repair or replace the frame if it’s needed to replace the glass with this optional cover available for an additional premium.
Explore Excess-free Glass cover
AAMI Home Assist
Home Assist is an emergency assistance service available at an additional cost that offers help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. More information on AAMI Home Assist
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Complete Replacement Cover®
With this optional cover, if your building is damaged or destroyed by an insured event, you can choose to have it repaired or rebuilt (based on our builder’s recommendation) or receive a payout based on their assessed quote - all on a ‘new for old’ basis, with no need to set a sum insured. More information on Complete Replacement Cover®
Explore Complete Replacement Cover®
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Other benefits
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Ways to manage your policy
Ways to manage your policy
AAMI Flexi-Premiums® Excess
Guarantee on work we authorise
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Estimate the cost to rebuild
This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured. More information on estimate the cost to rebuild
AAMI Home Building Calculator
Looking for something else?
Home and Contents Insurance
Cover for your home and contents.
Explore Home and Contents Insurance
Contents Only Insurance
Cover for your home contents.
Explore Contents Insurance
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What is Building Insurance?
AAMI Building Insurance can help cover the loss or damage to your insured building if it’s caused by insured events like storms, burglaries and fire. It covers permanent garages and solar panels, but it doesn't cover contents inside your home. For that, consider AAMI Contents Insurance. For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
Frequently asked questions
AAMI Home Building Insurance
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*For Home and/or Contents policies commencing on or after 20 November 2024, flood cover is included and cannot be removed. If you have removed flood cover from an eligible policy, this will be shown on your certificate of insurance. We don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy.
Limits, exclusions and conditions apply, read the PDS for details.