Contents Insurance:
Fire & Theft
Our low-cost Fire & Theft Contents Insurance is for renters or home owners wanting cover for their own contents up to $25,000 against fire and theft.
Fire & Theft
Contents Insurance
Assessing your property
Contents Calculator
Estimate your contents coverage
Estimate the replacement cost of your home’s contents and determine how much contents cover you may need.
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AAMI has a range of options to cover your specific needs
FIRE & THEFT CONTENTS INSURANCE
Is it just for renters?
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
Contents Insurance can help you cover the cost of repairing or replacing your belongings – furniture, appliances, electronics and so on – if they’re lost or damaged in an insured event. AAMI Fire & Theft Contents Insurance is our basic Contents Insurance with up to $25,000 cover if your contents are stolen or damaged by fire whilst inside your home.
Your Contents coverage
Loss or damage to your contents
We cover loss or damage to your contents when they are inside the building or unit at the insured address caused by fire (including bushfire) and theft or burglary (subject to terms, conditions and exclusions of your policy). See your PDS for the limits to what we pay.
Up to $25,000 cover
Up to $25,000 for loss or damage to your contents covered under your policy for any one incident (unless we say otherwise in your policy).
Cover for legal liability
Up to $20 million legal liability cover can help you take care of legal costs and pay compensation if a visitor suffers injury, death or loss or damage to their property at your home.
Insured Events
Fire
Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is the direct result of a fire within 100 metres of the insured address.
Theft or burglary
This also includes attempted theft, if nothing is stolen but the attempt causes damage to contents that need repairing.
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Renters insurance articles
Fire & Theft Contents Insurance
Frequently asked questions
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.
*Exclusion for new policies
We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.
See PDS for full details.