Home and Contents Insurance Cover for your home and the things in it. Save $50 WITH A FIRST YEAR ONLINE DISCOUNT More information on With a first year online discount Get a quote /secure/home-insurance-get-a-quote Retrieve an existing quote /secure/home-retrieve-quote Skip the queue and do it online neutral Make a claim /secure/claim-online-home View/update policy /content/aami/update-policy Pay or renew /content/aami/pay-or-renew Get documents https://online.aami.com.au/wdm/aami/#/login target-scope-name hero Visit Canstar website https://www.canstar.com.au/home-insurance/ center full center narrow Lucky you’re with an Award Winner AAMI is proud to be recognised as Canstar’s 2026 Outstanding Value - Home and Contents Insurance provider for Australia. Our commitment to delivering comprehensive coverage and competitive pricing has earned us both National and state-based awards. neutral tick primary Loss or damage If your home and contents are lost or damaged by an insured event, the most we will pay for any one incident is the building and/or contents sum insured, unless we say otherwise in your policy. Your home includes garages, shed and solar panels, among other things. What's covered tick primary ‘New for old’ replacement or repair We replace or repair contents with new items or material that are reasonably available, of the same (or similar if not available) type, standard and specification (but not brand) as when new. What's covered tick primary Weather events We provide cover for damage caused by storm, hail, fire (including bushfire) and floods. More information on weather events cover What's covered tick primary Theft or burglary We provide cover for loss and damage caused by thieves and burglars. What's covered tick primary Temporary accommodation If your home is damaged and can't be lived in after an insured event, we offer cover for your reasonable and necessary temporary accommodation costs while your home is being repaired or rebuilt so it can be lived in again. More information on temporary accommodation What's covered tick primary Cover for legal liability for your Home and Contents $20 million legal liability cover including associated legal costs More information on cover for legal liability for your Home and Contents What's covered cross error Wear, tear and deterioration We don’t cover wear, tear or deterioration of the building or contents. What's not covered cross error Defects, faults or poor workmanship Damage due to structural defects, faults or poor workmanship isn’t covered. What's not covered cross error Broken electrical items (unless by insured event) If an electrical item simply stops working or malfunctions, this isn’t covered. We do provide motor burn out cover for some items and cover for damage caused by lightning strike. What's not covered cross error Damage from home renovations, alterations or extensions Any parts of the building damaged by building works or by storm, flood or water, entering through an area of the building under construction isn’t covered. What's not covered cross error Vehicle keys Keys and keyless electronic starters for vehicles aren’t covered, unless they belong to vehicles covered as “contents” under your policy such as ride-on mowers, mobility scooters and medical aids, or golf carts. What's not covered cross error Short-term tenancies If the home is used as a short-term rental or as part of a holiday letting arrangement like via online booking platforms, it won’t be covered. What's not covered cross error Cash and vouchers We don’t cover cash, smart cards or phone cards, cashable or tradable documents, vouchers, tickets or money orders. We also don’t cover stamps, unless they’re in a set or collection. What's not covered center This information is a summary only. For more info on what is and isn’t covered, including terms, limits, conditions and exclusions, read the Product Disclosure Statement (PDS) . id coverage light What’s optional Accidental damage at home If you drop, knock over or otherwise accidentally damage your contents, this optional cover can assist with repair or replacement. Explore Accidental damage at home /content/aami/home-insurance/accidental-damage-at-home Excess-free Glass cover Pay no excess for claims for accidental damage to the glass in windows, doors, skylights, shower screens, or mirrors fixed to the building with this optional cover. Explore Excess-free Glass cover /content/aami/home-insurance/excess-free-glass AAMI Home Assist for your building Home Assist is an emergency assistance service that offers help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. More information on AAMI Home Assist for your building Explore AAMI Home Assist for your building /content/aami/home-insurance/home-assist Complete Replacement Cover® If your home is damaged or destroyed by an insured event, we repair or rebuild your home, or pay you the amount of our builder’s assessed quote to repair or rebuild your home, on a ‘new for old’ basis. You do not set a fixed sum insured with this optional cover. It’s our best protection against under insurance. Explore Complete Replacement Cover® /content/aami/home-insurance/complete-replacement-cover Extra Cover Portable valuables This optional cover provides cover for accidental loss or damage to your valuable personal belongings normally carried with you away from the insured address. Cover is provided for accidental loss or damage anywhere in Australia and New Zealand. More about Extra cover portable valuables Explore Extra Cover Portable valuables /content/aami/home-insurance/building-and-contents/portable-valuables Contents with flexible limits These are items where you can choose to increase their limit for an extra premium. They’ll be included when you apply and will be shown on your Certificate of Insurance. More about contents with flexible limits Explore Contents with flexible limits /content/aami/home-insurance/contents/contents-with-flexible-limits center Other benefits vertical center Ways to manage your policy /content/aami/fragments/tabs/other-benefits/ways-to-manage-your-policy AAMI Flexi-Premium Excess® /content/aami/fragments/tabs/other-benefits/aami-flexi-premiums-excess Guarantee on work we authorise /content/aami/fragments/tabs/other-benefits/guarantee-on-work-we-authorise Ways to manage your policy /content/aami/fragments/tabs/other-benefits/ways-to-manage-your-policy-hc-combined Looking for something else? Landlord Insurance Cover for your investment property, whether for the building, things in it or both. Explore Landlord Insurance /content/aami/home-insurance/landlord-insurance Strata Insurance Cover for residential strata buildings and shared areas. Explore Strata Insurance /content/aami/home-insurance/strata neutral What is Home and Contents Insurance? Home and Contents Insurance combines cover for your home and belongings. It offers cover for loss or damage to your building and items inside caused by insured events like fire, theft, storms and lightning. 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. Frequently asked questions AAMI Home & Contents Insurance block true suncorp:AAMI/products/home/building-and-contents id faqs Helpful Articles Explore AAMI’s articles on home insurance. Read all AAMI informed articles /content/aami/aami-informed Does my home insurance cover me for flood damage? Home insurance can be confusing. Read more about flood cover, why it can be important and how it could help. Read more /content/aami/aami-informed/in-the-home/does-my-home-insurance-cover-me-for-flood-damage Do I need home insurance before settlement? Buying a home has many steps – and buying insurance is an important one. Learn when insuring a building becomes your responsibility and more. Read more /content/aami/aami-informed/in-the-home/home-insurance-before-settlement How much should you insure your house for? If you're trying to figure out how much to insure your home and contents for, it can get tricky! Check out AAMI’s tools and tips. Read more /content/aami/aami-informed/in-the-home/calculate-home-insurance How to plan your home insurance for renovations Unsure whether your home is covered during a renovation? AAMI’s here to clear up the clutter so you can focus more on the important things – like picking that perfect colour palette. Read more /content/aami/aami-informed/in-the-home/how-to-plan-your-home-insurance-for-renovations What is accidental damage cover for home insurance? AAMI's Accidental Damage at Home cover can come in handy when unforeseen mishaps happen. Find out what it is and how it can help. Read more /content/aami/aami-informed/in-the-home/accidental-damage id helpful-articles