Queensland Home Insurance
You’re in good hands. AAMI is the trusted insurer of around 800,000 Aussie households.
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What Home Insurance do I need in QLD?
Wild weather is a fact of life in Queensland. That’s why AAMI offers Queenslanders home insurance that covers storm and flood, along with a range of other insured events.
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Helping Queenslanders for over five decades.
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Be prepared
Preparing your home for stormy weather
If you’re in Queensland and storm season is approaching, there are a few things you can do to help keep your home and family safe.
- Clean your gutters and downpipes to avoid blockages and overflow.
- Secure loose items that can be thrown by strong wind, such as outdoor furniture and play equipment.
- Remove tree branches that are close to your home.
- Prepare an emergency kit, including things like a portable phone charger, bottled water, and torch with spare batteries - just in case.
Learn more about how to prepare your home for storms.
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.
alert
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 QLD choose AAMI?
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AAMI Home calculators
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Estimate the cost to rebuild
This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.
AAMI Home Building Calculator
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Estimate your contents coverage
Estimate the replacement cost of your home’s contents and determine how much contents cover you may need.
AAMI Contents Calculator
Frequently asked questions
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