You specify a sum insured on your policy to reflect how much it’d cost to rebuild your building. If the building is damaged in an insured event covered by your policy, this is the maximum amount we’ll pay to rebuild or repair it.

How it works

• You choose the maximum amount you’d like to insure your building for.
• Choosing the amount generally means lower premium payments.
• You know the exact maximum amount you can be paid out.

How to get it

• Comes standard with eligible AAMI Landlord Insurance policies.

If your building needs to be repaired or rebuilt after an insured event covered by your policy, we will offer to repair or rebuild your building as it was or pay you the amount of the assessed quote to repair or rebuild it – without you having to set a specific sum insured.

How it works

• You don't need to set a sum insured.
• Our best underinsurance protection.
• Provides peace of mind if you’re uncertain how much it will cost to rebuild your building.

How to get it

• Upgrade from Sum Insured when obtaining an eligible AAMI Landlord Insurance quote.