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.