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Assessing your property
FIRE & THEFT CONTENTS INSURANCE
In short, no.
It provides up to $25,000 cover for renters or home owners (excluding landlords) against fire and theft - offering peace of mind without the bells and whistles. Just like our Home Contents Insurance, you'll benefit from ‘new for old’ replacement (regardless of age) and up to $20 million legal liability cover.
But with Fire & Theft Contents Insurance you won't be able to customise and add extra cover, such as cover for personal valuables when they are carried with you away from your home, like your mobile phone or bicycle. Nor will you be covered as a result of weather events - apart from fire of course.
What am I covered for?
What’s covered with Fire & Theft Contents Insurance
Your Contents coverage
Renters insurance articles
Fire & Theft Contents Insurance
Fire & Theft Contents Insurance is our low-cost Contents Insurance for renters or home owners wanting cover for their belongings - furniture, appliances, electronics and so on – up to $25,000 against fire and theft.
“Renters insurance” is another way of referring to Contents Insurance — that is, insurance that covers the stuff inside a house but doesn’t cover the house itself or its permanent fixtures. We often refer to it as “renters insurance” since, while it’s not exclusively renters who take out Contents Insurance ( as opposed to Contents Insurance along with Home Building Insurance), they may find it especially useful.
Your insurance premiums — that is, the amount you’ll pay for your policy — will be influenced by many different factors, including where you live, the value of your contents, and whether you select any optional extras. It will also depend on whether you choose the Fire & Theft Only option.
The best way to get an estimate of how much a policy will cost you is to get a quote. It’s obligation-free, and only takes a few minutes.
There’s no legal requirement for you to have renters insurance in Australia. Whether you take out a policy may depend on factors such as the value of your contents, your ability to replace them should you ever need to, and your budget.
When you first take out your policy, you’ll agree to a sum insured, which is the maximum amount we’ll pay if you ever need to make a claim. If an insured event covered by your policy— such as a storm, fire or burglary — affects your contents, you can make a claim. If we accept the claim, we’ll arrange to repair or replace the item or items, or offer a cash payment so that you can do so yourself.
Each of AAMI’s insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
This content applies to new policies and renewal policies with a start date after 14 December 2020.