New South Wales Home Insurance
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What Home Insurance do I need in NSW?
From the beaches of Bondi to the outback charms of Broken Hill and everything in between — there’s no such thing as the typical NSW home. That’s why AAMI offers multiple Home Insurance options that cover a range of potential events.
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NSW
Funding emergency services
NSW Emergency Services Levy
General insurers — AAMI included — are obliged to provide funding to the NSW government for emergency services, including Fire and Rescue NSW, the NSW Rural Fire Services and the NSW State Emergency Services. This funding is incorporated into the premiums paid by insurance customers in the form of the ESL (Emergency Services Levy). Via the ESL, AAMI insurance customers are contributing to keeping their community safe.
You can learn more at the Revenue NSW website.
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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.
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.
flood
Flood
Including water overflowing from things like lakes, rivers, or dams.
storm
Storm
That's rain, wind, thunder, that sort of thing. FYI, storm damage is one of our most common claims, so this is a biggie.
storm
Storm surge
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.
lightning
Lightning
Including power surges caused by lightning, will be covered providing a qualified repairer confirms lightning as the cause of loss or damage.
bushfire
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.
tsunami
Earthquake & Tsunami
These may not be likely, depending on where you live, but you'll be covered just in case.
theft
Theft or burglary
This also includes attempted theft, if nothing is stolen but the attempt causes damage that needs repairing.
liquidDamage
Escape of liquid
This refers to sudden and unexpected loss or damage caused by liquid escaping from certain appliances, fixed pipes, drains, waterbeds and more.
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Impact
This refers to damage caused by impact from falling tree branches, power poles or TV antennas.
animalDamage
Damage by an animal
Not your pets, though. This refers to damage caused by animals (not insects, vermin or rodents) who aren’t supposed to be there.
explosion
Explosion
We cover the loss or damage caused by an explosion but we don’t cover the cost of replacing or repairing the item or container that exploded.
riotProtest
Riot, civil commotion or public disturbance
An example would be damage caused by a violent crowd moving down your street.
maliciousDamage
Malicious acts and vandalism
This includes things like vandals damaging your letterbox or tagging the building with graffiti.
Why do homeowners in NSW choose AAMI?
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