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Some insurers don’t offer cover for unpaid rent by tenants. But AAMI Does. Tenant Protection Optional Cover now available.
Our Landlord Insurance can help keep your investment property covered, inside and out, and comes with optional Tenant Protection Cover and optional Complete Replacement Cover. Manage your investment expenses by only paying for the cover you need. You’ll also save up to $50 when you buy a new policy online, and the AAMI Lucky Club gives you access to discounts at a range of home and furniture retailers.
For landlords
For landlords
For landlords
On a shared block?
So if your rental property is on a shared block or shares walls with other properties, you may need Strata Insurance.
Work out the value of your contents using our calculator.
Customer rewards
AAMI Lucky Club lets eligible customers enjoy special offers, access to event perks like priority entry, premium viewing or pre-sales, and everyday discounts on groceries, petrol and more. More about AAMI Lucky Club.
Put your putt putt skills to the test with our 2 for 1 offer.
Monday to Thursday in February and March 2021.
$20* Gold Grass tickets on sale now!
*Online booking fees apply.
Hit the road for less with discounted petrol.
An exclusive Gold Class offer for Village & Event Cinemas.
Save on your weekly shop with discounted eGift cards.
Pre-sales and special offers for selected concerts and events.
Save on home entertainment and appliances.
Save on super cheap parts and accessories.
Save on activewear.
Save on fashion, beauty, homewares and more.
Pre-sales and exclusive benefits at events.
Lucky Club eligibility
Customers with the following AAMI policies are eligible for AAMI Lucky Club via My Account or the AAMI App:
EASY CLAIMS PROCESS
If you ever need to claim, your dedicated Client Manager can organise every detail from beginning to end.
What's covered for Landlords
In Building & Contents, and Building Only Insurance
Also includes outbuildings like garages and sheds, and other permanent fixtures like fences, decks and solar panels.
Up to $20 million legal liability can help you take care of legal and other costs if someone suffers injury, death or property damage at your rented property and you’re liable.
If the rented property cannot be lived in or re-leased, we will pay the weekly rental amount for the time it should take to repair or rebuild the building so that it can be lived in again or re-leased, for up to 52 weeks and the most we will pay is $25,000 if you have building cover.
If the motor in one of your fixed appliances at the rented property burns out and that appliance is less than 7 years old, we’ll help you take care of repair or replacement.
In Building & Contents, and Contents Only Insurance
If your stuff for the tenant’s use at the rented property is lost or damaged in an insured event, such as a storm, fire or burglary, we’ll ensure they’re quickly repaired or replaced or we’ll pay you what it would cost us to do so.
If you need to replace an item, we’ll cover the cost of a new one, regardless of age. We’ll replace it with the same type, standard and specification – but not necessarily brand – as yours was when it was new. If your damaged item can’t be matched exactly, it will be replaced with something similar.
If some or all of your landlord contents escape damage from an insured event, but they can’t be kept at the rented property – say, if they’ll be exposed to the elements during repair work– we’ll cover the cost of storing them, up to 10% of your landlord contents sum insured.
The burning out or fusing of electric motors, in household equipment or appliances which are part of the landlord contents, and are less than 7 years old.
For buildings only
Our best protection against underinsurance. If your home is damaged or destroyed by an insured event, we'll repair or rebuild your rental property as it was or pay the total amount of the assessed quote to repair or rebuild it.
Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.
Insured Events
These are the events that you can make a claim for, if they cause loss or damage to your home or contents (or both, of course, if you have a combined policy). There are limits, conditions and exclusions which apply, so check out the policy documents to make sure you’re up to speed.
Including water overflowing from things like lakes, rivers, or dams.
That's rain, wind, thunder, that sort of thing. FYI, storm damage is one of our most common claims, so this is a biggie.
That's a rush of water pushed from the sea onto the land caused by very strong winds. It doesn't include actions or movements of the sea. The loss or damage caused by storm surge must happen at the same time as other insured damage caused by storm.
Including power surges caused by lightning, will be covered providing a qualified repairer confirms lightning as the cause of loss or damage.
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.
These may not be likely, depending on where you live, but you'll be covered just in case.
This also includes attempted theft, if nothing is stolen but the attempt causes damage that needs repairing.
This refers to liquid leaking, overflowing or bursting from things like appliances, fixed pipes, drains, and waterbeds
This refers to damage caused by impact from falling tree branches, power poles or TV antennas.
Not your pets, though. This refers to damage caused by animals (not insects, vermin or rodents) who aren’t supposed to be there.
We cover the loss or damage caused by an explosion but we don’t cover the cost of replacing or repairing the tank or container that exploded.
An example would be damage caused by a violent crowd moving down your street.
This includes things like vandals damaging your letterbox or tagging the building with graffiti.
Insured Events listed above apply to AAMI Home Insurance products, excluding Fire & Theft Contents Insurance which is limited to loss or damage by Fire, Theft or Burglary. We don't insure you for bushfire, storm, storm surge, flood or tsunami for the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.
Jump online any time to make a claim, update your policy, check your policy docs and more.
Landlord Insurance
To make your life easier, you can make a number of changes to your home insurance policy online. Through your AAMI account, you can change the sum of contents you’re insured for, update the sum of your insured building, update the unspecified portable items included in your cover, and more.
Simply log in, click on the ‘My policy list’ link, and select the relevant policy you want to update. From the ‘Update my policy’ tab, you’ll find several options for making changes. Unfortunately, some things can’t be altered online, including changing your cover type (for example, from Property Owner to Landlord), and changing the specified portables listed on your cover. For these things please contact us - we’ll be happy to help you out.
Thanks for continuing to choose AAMI for your home insurance needs! We’ve made it super easy to renew online, using your AAMI account. Simply log in, click on ‘My policy list’ and choose the policy you want to renew, and select the ‘Renew now’ button.
If you have an existing AAMI Landlord Insurance policy and you purchased Tenant Protection as an Optional Cover, you may be covered for loss of rent. You must have taken all reasonable steps legally available to you to remedy non-payment and/or evict the tenant (if possible).
Limits and exclusions apply, so please check the Product Disclosure Statement.
HOME BUILDING CALCULATOR
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.
AAMI Lucky Club® is made available by AAI Limited ABN 48 005 297 807 trading as AAMI ("AAMI") to customers of selected AAMI branded insurance policies.
Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Limits, conditions and exclusions apply. Read the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
This content applies to new policies and renewal policies with a start date after 14 December 2020.
Malicious damage
By ‘malicious’ we mean something done deliberately to harm your property.
For example, if your tenant smashes holes in the wall after they’ve been given an eviction notice, that’s considered malicious and is covered.
We don’t mean accidents, reckless or negligent acts, which aren’t covered. Examples of these are:
This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.
Currently unavailable
We are currently unable to offer Tenant Protection Optional Cover on new Landlord Insurance policies until further notice.
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
LEGAL INFORMATION
COOKIE AND DATA POLICY
We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how AAMI collects and uses data related to your online activity, and how you can choose to remain anonymous.
AAI LIMITED TRADING AS AAMI
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Registered Office, Level 28, 266 George St, Brisbane QLD 4000.
Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product.
This content is current for Home Building, Home Contents, Fire & Theft Contents, Landlord, Strata, Car, Caravan and Motorcycle Insurance policies with a start date after 14 December 2020.
AAMI PET INSURANCE
Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard); distributed by Pet Insurance Pty Ltd (ACN 607 160 930; AR 1234944) (PIPL) and PIPL's authorised distribution partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) (Ventures) under the AAMI brand); and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL and Ventures are authorised representatives of PetSure. PIPL and PIPL's authorised distribution partners (including Ventures) will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details.
AAMI HEALTH INSURANCE
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.
AAMI LIFE INSURANCE
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL companies use the AAMI brand (brand of the Suncorp network) under licence. Redundancy Benefit issued on or before 31st March 2020 was offered by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 will be issued by Asteron Life & Superannuation Limited, ABN 87 073 979 530, AFSL 229880 (Asteron). The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement.
