We've got your things well covered
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.
Imagine you have 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, such as 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 the 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.
Some content items have a 'fixed limits', which is the most we'll pay for that particular item. For example, the most we'll pay for refrigerated food is $400 in total.
Some content items have 'flexible limits', which can be increased on request for an extra premium. For example, carpets have a limit of $1,000, unless you choose to specify it on your policy and increase the limit.
This is just a summary. For ful details, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
Wait, there's more!
High value items
Choose to specify values for individual items such as jewellery, art and antiques kept in the home.
Extra cover for handbags, laptops, mobile phones and a range of other items that you're likely to take outside your home.
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.
Home Contents Insurance
You should insure your contents for their new for old replacement value. There are 3 types of contents that can be covered under the policy:
- Specified Contents
- Optional Extra Cover for portable valuables (accidental loss/damage cover at and away from the home)
Our Home Contents Policy covers the replacement or repair of your damaged or destroyed contents at current cost. This means it’s very important that you value your contents, on a regular basis, for their current cost of replacement if they were completely destroyed. The value you decide upon will be the amount your contents will be covered for.
Helping you get a better deal
Combine AAMI Home Building & Contents
Increase your excess