Contents Insurance
Covers items inside your home that aren’t permanently attached to the building.
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Lucky you’re with an Award Winner
AAMI is proud to be recognised as Canstar’s 2026 Outstanding Value - Contents Insurance provider for Australia.
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Loss or damage to your contents
If your contents are damaged by an insured event, the most we’ll pay for loss or damage to your contents for any one incident is the contents sum insured unless we say otherwise in your policy.
What’s covered
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Insured weather events
We offer cover for damage caused by storm, hail, fire (including bushfire) or floods. More about insured weather events
What’s covered
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Theft or burglary
We offer cover if your contents are stolen or damaged after forced entry by a thief or burglar, or by someone who entered the property without your consent or the consent of someone you authorised.
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‘New for old’ replacement
We repair or replace your contents with new items or new materials of the same type, standard, and specification as new (excluding brand). If the same isn't readily available from an Australian supplier, we repair or replace with items or materials of a similar type, standard, and specification.
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Spoiled food and medication
If an insured event causes food or medicine to spoil – for example, if a storm knocks out power to your fridge and refrigerated food spoils – the most we will pay is $400.
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Cover for legal liability
We cover your Legal Liability if a visitor is injured, dies or their property is damaged at your home. More about cover for legal liability
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Wear, tear and deterioration
We don’t cover wear, tear or deterioration of the building or contents.
What’s not covered
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Mechanical or electrical breakdown or failure
We don’t cover electrical or electronic items that can no longer be used for their intended purpose, like a broken television. If an electrical item fails due to wear and tear, it’s not covered. More about mechanical or electrical breakdown or failure
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Cash and vouchers
We don’t cover cash, smart cards or phone cards, cashable or tradable documents, vouchers, tickets or money orders. We also don’t cover stamps, unless they’re in a set or collection.
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Keys
Keys and keyless electronic starters for any vehicle aren’t covered, unless they’re for vehicles covered as contents – like mowers, mobility scooters and medical aids, or golf carts.
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Items away from the home
Unless you have AAMI's Extra Cover Portable valuables cover, contents are not covered away from home, except in specific circumstances detailed under additional cover ‘Contents temporarily removed’. More about contents temporarily removed
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Any part of the building
We don’t cover any part of the building unless ‘If contents are insured in a property that isn’t a unit and you’re a tenant’ or ‘When contents are insured in a unit’ applies to you. Consider AAMI Building 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
For an extra premium, you can add Accidental Damage at Home cover, which offers cover for accidental loss or damage to your home and contents - like if you drop, knock, spill, or otherwise damage something.
Explore Accidental damage at home
Contents with flexible limits
These are items where you can choose to increase their limit for an extra premium. They’ll be included when you apply and will be shown on your Certificate of Insurance. More about contents with flexible limits
Explore Contents with flexible limits
Extra Cover Portable valuables cover
Extra Cover Portable valuables optional cover provides cover for accidental loss or damage to your valuable personal belongings anywhere in Australia and New Zealand. This means they are covered both at and away from the insured address. More about extra cover portable valuables cover
Explore Extra Cover Portable valuables
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Other benefits
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Ways to manage your policy
AAMI Flexi-Premiums Excess®
Looking for something else?
Home and Contents Insurance
Cover for your home and the things in it.
Explore Home and Contents Insurance
Building Only Insurance
Cover for loss or damage to your building and permanent fixtures.
Explore Building Only Insurance
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What is Contents Insurance?
As the name suggests, Contents Insurance is insurance that’s designed for the stuff inside your house, but not the house itself or its permanent fixtures. For that, consider AAMI Building Insurance.
So, if needed following an insured event, it’ll help you repair or replace your furniture, your clothes, your appliances and more! For more info on what is and isn’t covered, be sure to read the Product Disclosure Statement.
Frequently asked questions
Contents Only
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Insured Events apply to AAMI Home Insurance products, excluding AAMI Fire & Theft Contents Insurance which is limited to loss or damage by Fire, Theft or Burglary.
Flood cover is automatically included and cannot be removed from your policy. If you have removed flood cover from an existing policy, your certificate of insurance will show this limitation in your cover.
We don’t insure you for flood for the first 72 hours of your policy. Very limited exceptions apply. For more information refer to the relevant Product Disclosure Statement.