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Just your ThINGS

Contents Insurance

Covers loss of and damage to the contents of your home, garage and shed, caused by fire, break-ins and weather events. Includes storm, flood and bushfire.

Get a Contents Insurance quote online
SAVE $25

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We've got your things well covered
Giving you peace of mind


$25 OFFnew policies when purchased online

Covers the things in your home, like your smart TV or a family heirloom. You can even add Portable Valuables cover for items you often take outside the home, like your laptop. You can get a Contents Insurance quote online, quickly and easily.

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Policy documents downloads

Product Disclosure Statement (PDS)

  • Damage or loss of the contents of your home, garages and shed

    Caused by fire, break-ins or weather events such as floods, storms, lightning, bushfires, earthquakes, tsunamis - and even meteorites!

  • Quick repair or replacement

    Of your contents, up to your Sum Insured within limits.

  • New for old replacement

  • Storage of undamaged contents

    Up to 10% of your contents Sum Insured.

  • Damage to other people and their property

    Provides up to $20 million legal liability cover, including all associated legal costs, for an incident at your home address connected to you owning or living there.



What's not covered


  • Your home building
  • Electrical or electronic items that are no longer able to be used for the purpose they were intended
  • Any pets or animals
  • Plants, trees, shrubs and hedges in the ground
  • Loose or compacted soil, lawn, artificial grass, gravel, pebbles, rocks, granular rubber or water.

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.

Explore your Contents Insurance options with AAMI

Looking to insure the contents of a property that you rent out?

Try Landlord Insurance

Estimate the value of your contents using our calculator.

Contents Insurance Calculator

AAMI Contents Insurance

High Value Items

Protect your high value items – such as jewellery, art and antiques – by specifying their value in your policy.

Portable Valuables

Portable Valuables cover for your on-the-go items, like phones, laptops, bicycles and sports equipment*, and a whole heap of other things you’re likely to take outside your home.

What AAMI Contents Insurance covers

Damaged or stolen*

*If your contents are damaged by an insured event or stolen.

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. 

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.


Helping you at every step

When you need to make a Contents Insurance claim, your dedicated Client Manager will take care of 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 a better deal

Covering your things shouldn’t cost you the earth, so here are some smart ways to pay less on your Contents Insurance premium.

Combine AAMI Home Building and Contents

Buy your building and contents insurance at the same time and save. Our combined AAMI Home Building and Contents Insurance gives you an all-in-one policy and can save you up to 10% off your premium when you buy them together.

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 than if you pay in monthly instalments.

Frequently asked questions


Customer Rewards

We’d like to introduce you to AAMI Lucky Club, a place where our customers come to get access to amazing experiences.

Now that’s not very insurancey.

Find out more

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