Home & Contents Insurance - $50 off when you quote and buy online | AAMI (2024)

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^If you’re eligible for more than one discount, we apply each in apredeterminedorderto the already discounted premium (usuallybefore adding taxes and charges).

Customers rate our Home Insurance

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What is Home and Contents Insurance?

Home and Contents Insurance conveniently combines building-only and contents-only insurance. It covers a range of insured events, such as fire, theft or attempted theft, storms and lightning. It offers homeowners repair or replacement of damaged property, as well as the contents inside that property.

Home &
Contents Insurance

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what's included?

  • Rebuilding or repairing your home
  • Repairing or replacing your contents
  • Temporary Accommodation
  • Cover for spoiled food and medication
  • Cover for motor burnout

Full list of coverage types

what's optional?

  • Accidental Damage at Home
  • Excess-Free Glass
  • AAMI Home Assist
  • Complete Replacement Cover
  • Specified valuable items
  • Portable valuables accidental loss or damage

what events are covered?

  • Fire
  • Storm, flood or lightning
  • Escape of Liquid
  • Malicious damage and vandalism
  • Theft or attempted theft

Full list of insured events

$50 OFF

when you quote and buy online

Get a quote

Policy document downloads
Product Disclosure Statement (PDS)

EASY CLAIMS PROCESS

Helping you at every step

Does your insurer offer a dedicated Claims Manager to organise every detail from beginning to end? AAMI Does.

  • All quotes and repairs
  • Sourcing of materials and replacement items
  • Requirements of your local council or authority
  • Regular communication with you throughout the process.

Claim now online

Our claims process

Aussies like you

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Over 45 years insuring Australians

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What am I covered for?

  • Your Building
  • Your Contents
  • Optional Covers
  • Insured Events
  • Get a quote

  • Jump to
    • Your Building
    • Your Contents
    • Optional Covers
    • Insured Events

What's covered by Home and Contents Insurance

Covers loss of and damage to your home, garage, shed and their household contents, caused by fire, break-ins and weather events. Includes storm, flood and bushfire. You can get a Home and Contents Insurance quote online, quickly and easily.

Your Building

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Cover for damage to the building

Also includes outbuildings like garages and sheds, and other permanent fixtures like fences, decks and solar panels.

Cover for third party liability

Up to $20 million legal liability cover can help you take care of legal and other costs if a visitor suffers injury, death or property damage at your home.

Temporary accommodation

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Motor burnout cover

If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

Your Contents

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Loss or damage to your contents

If your claim for loss, theft or damage to your contents is covered, your contents may be replaced, repaired or we may pay you.We will aim to use a member of our supplier network to repair or replace damaged contents.Sometimes this is not always possible or practical (for example, if there is pre-existing damage to your contents item) and this will determine how your contents claim will be settled. Refer to your PDS for how we settle contents claims.

New for old for your lost or damaged items

New for old means:

  • New materials, new items;
  • New for old, regardless of age;
  • Same type, standard and specification as when new (or if not reasonably available, similar type, standard and specification).

For a full definition of ‘new for old’ and for how we settle contents claims, refer to the PDS.

Cover for spoiled food or medicine

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge—we’ll cover the cost, up to $400.

Storage of undamaged contents

If some or all of your contents escape damage from an insured event, but they can't be kept at home—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 contents sum insured.

Optional Covers

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Accidental Damage at Home

If you accidentally drop, knock, spill or otherwise damage something at home, this optional cover can help. It can apply to your house itself, your contents, or both, depending on your policy.

More detail on coverage

Excess-Free Glass

There’s not much more annoying than fixing broken glass. Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Luckily, with this optional cover, AAMI can help.

More detail on coverage

AAMI Home Assist

AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.

More detail on coverage

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Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Complete Replacement Cover

High value items

If you have some especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

High value items

Portable valuables

Add cover for those portable items that might be accidentally damaged at home or while you’re out and about, like smartphones, handbags, laptops, and so on.

Portable valuables cover

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.

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Flood

Including water overflowing from things like lakes, rivers, or dams.

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 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

Including power surges caused by lightning, will be covered providing a qualified repairer confirms lightning as the cause of loss or damage.

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.​

Earthquake & Tsunami

These may not be likely, depending on where you live, but you'll be covered just in case.

Theft or burglary

This also includes attempted theft, if nothing is stolen but the attempt causes damage that needs repairing.

Escape of liquid

This refers to liquid leaking, overflowing or bursting from things like appliances, fixed pipes, drains, and waterbeds

Impact

This refers to damage caused by impact from falling tree branches, power poles or TV antennas.

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

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.

Riot, civil commotion or public disturbance

An example would be damage caused by a violent crowd moving down your street.

Malicious acts and vandalism

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.​

AAMI Home calculators

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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.

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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Contents Calculator

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

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.

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Log in to My Account
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  • Access my policy documents
  • Update my details
  • Track my claim
  • Find my policy number
  • Cancel my policy
  • Search our motor repair network

AAMI Home & Contents Insurance

Frequently asked questions

Policy Documents

Find out what our Home Insurance customers think

Standard Cover
Sum Insured Cover

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

how it works

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

This is included as standard with AAMI Home Insurance policies.

how to get it

  • Comes standard with eligible AAMI Home Insurance policies.

Policy document downloads

Product Disclosure Document (PDS)

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Optional Cover
Complete Replacement Cover

If your house needs to be repaired or rebuilt after an insured event, we will offer to repair or rebuild your house 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 home.

You can upgrade to Complete Replacement Cover when you get your quote online.

how to get it

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

Policy document downloads

Product Disclosure Document (PDS)

Home Owner Occupiers Insurance

You can save up to 10% by combining cover for your building and its contents on the one policy! FYI, the discount doesn't apply to some options, including portable valuables cover.

Home & Contents

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$50offwhen you quote and buy online

  • Building damage or loss
  • Contents damage or loss
  • Legal liability

Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Optional Covers

  • Complete Replacement Cover
  • Cover for specified valuable items
  • Cover for portable valuables

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Building Only

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$25offwhen you quote and buy online

  • Building damage or loss
  • Legal liability

Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

OptionalCovers

  • Complete Replacement Cover

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Contents Only

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$25offwhen you quote and buy online

  • Contents damage or loss
  • Legal liability

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

OptionalCovers

  • Cover for specified valuable items
  • Cover for portable valuables

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Landlord Insurance

If you’re renting out an investment property, you can get cover for the building and the contents you own.

Home & Contents

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Loss of rent

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.​

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$50offwhen you quote and buy online

  • Building damage or loss
  • Loss of rent
  • Contents damage or loss
  • Legal liability

Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Tenant Protection

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

OptionalCovers

  • Complete Replacement Cover
  • Tenant Protection

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Building Only

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$25offwhen you quote and buy online

  • Building damage or loss
  • Legal liability

Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Tenant Protection

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

OptionalCovers

  • Complete Replacement Cover
  • Tenant Protection

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Contents Only

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$25offwhen you quote and buy online

  • Contents damage or loss
  • Legal liability

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Renters Insurance

If you’re a renter, you can easily get cover for your stuff.

Home Contents

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$25offwhen you quote and buy online

  • Contents damage or loss
  • Legal liability

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

OptionalCovers

  • Cover for specified valuable items
  • Cover for portable valuables

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Fire & Theft Only

Contents damage or loss

Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

$5offwhen you quote and buy online

  • Contents damage or loss, up to $25,000
  • Legal liability

Get a quote

Policy document downloads

Product disclosure statement (PDS)

Strata Insurance

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Temporary accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.

Loss of rent

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.

Office bearer’s liability

Covers up to $1 million for office bearers or committee members if a claim is made against them for a wrongful act.

Shared contents

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Great for:

DuplexTownhouse Unit/flat

covers

  • Property damage or loss
  • Temporary accommodation costs
  • Loss of rent
  • Office bearer’s liability

optional cover

Shared contents

Call us for a quote

13 12 44

More about Strata Insurance

Policy document downloads

Product disclosure statement (PDS)

WHO’S COVERED

Do I need Strata Insurance?

If there’s more than one building on your block of land, or your building shares a wall or other common property such as a driveway or rooftop garden, then you probably need Strata Insurance. AAMI offers cover for properties with two to 10 buildings, with optional cover for shared contents such as washing machines and gym equipment.

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Commercial Property Insurance

Building Only

Public Liability

Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.

If you’re a property owner and you lease your commercial premises to businesses, we can help you stay covered.

This package includes

  • Public liability

And can be customised from the following

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Back in Business

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Tax Probe

Also known as Tax Audit, this provides cover for the professional and accountant’s fees incurred by you in connection with an audit of your business’ financial or tax affairs by the ATO, or by a Commonwealth, State or Territory department, body or agency.

Learn more about Tax Probe

Operating covers

  • Cover for portable valuables
  • Business interruption
  • Tax probe

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Glass & signs

This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises.

Commercial premises covers

  • Property damage or loss
  • Glass & signs

Request a callback

Or call 13 12 44

Policy document downloads

Product disclosure statement (PDS)

Do you run a business from your premises?

If you own the property from which your business operates, you can consider an AAMI Business Insurance package. We offer a range of customisable options that let you put together a policy that suits the needs of your business.

You’ll be able to get cover for damage to your property, public and products liability, theft, damage to glass, and more. You can also get Back in Business cover, which can help to compensate for a reduction to your business revenue following an insured event.

Learn more about Business Insurance

Contents damage or loss

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Building damage or loss

Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events (like storm, flood and bushfire). Buildings covered include your home, along with garages and sheds.

Legal liability

Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property.

Complete Replacement Cover

This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Loss of rent

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.

Loss of rent

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.​

Contents damage or loss up to your chosen amount

Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. This can include electronics, furniture, clothing and more. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer.

Contents damage or loss

Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.

Temporary accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.

Temporary accommodation

If your home is damaged by an insured event and you can’t live there while it’s being repaired or rebuilt, we’ll cover the time it should take to repair or rebuild, up to 52 weeks for temporary accommodation. The most we will pay for any one incident is up to 10% of the building sum insured, unless your certificate of insurance shows that you have Complete Replacement Cover® option, in which case we pay the reasonable and necessary costs.​

Office bearer’s liability

Covers up to $1 million for office bearers or committee members if a claim is made against them for a wrongful act.

Back in Business

Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured.

Glass & signs

This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises.

Public Liability

Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.

Tenant Protection

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

Tax Probe

Also known as Tax Audit, this provides cover for the professional and accountant’s fees incurred by you in connection with an audit of your business’ financial or tax affairs by the ATO, or by a Commonwealth, State or Territory department, body or agency.

Learn more about Tax Probe

optional cover for

Home Owner Occupiers & Renters

If you accidentally drop, knock, spill or otherwise damage something at home, this optional cover can help. It can apply to your house itself, your contents, or both, depending on your policy.

Optional Cover

Accidental Damage at Home

what's included

For Building Insurance:

  • We cover the building for accidental loss and damage at the insured address during the period of insurance.

For Contents Insurance:

  • We cover your contents for accidental loss and accidental damage at the insured address during the period of insurance

Read the PDS for more detail, including how we settle building and contents claims, limits and exclusions.

Get a quote

Policy document downloads
Product Disclosure Statement (PDS)

optional cover for

Home Owner Occupiers

AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.

Optional Cover

AAMI Home Assist

trades available 24/7

Available to 95% of Aussie homes

Some geographic limitations apply.

Available to 95% of Aussie homes

Plumber

Electrician

Locksmith

Carpenter

what's included

  • No excess payable
  • 3 callouts per policy period
  • Repair materials (up to $50)
  • Up to 2 hours of help per callout
  • A trusted network of tradies

How AAMI Home Assist works

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.

We can connect you with a plumber, electrician, locksmith or carpenter.

How AAMI Home Assist works

common emergency repairs

  • Locked out of house
  • Hot water system issue
  • Blocked toilet
  • Leaking pipes and toilets

Read the PDS and AAMI Home Assist Terms and Conditions for more detail, including limits and exclusions.

Get a quote

Policy document downloads
Product Disclosure Statement (PDS)

optional cover for

Home & Contents and Building Only Insurance

There’s not much more annoying than fixing broken glass. Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Luckily, with this optional cover, AAMI can help.

Optional Cover

AAMI Excess-Free Glass

what's included

  • Replacement of accidentally broken fixed glass in windows, doors, skylights, shower screens and fixed mirrors which are part of the home building
  • Repair or replacement of frames in windows, doors and shower screens if necessary to enable the glass to be replaced
  • No excess to pay when your claim is only for the broken fixed glass
  • Access to trusted glass repairers

This optional cover is for fixed glass only. Refer to the PDS for more information.

Get a quote

Policy document downloads
Product Disclosure Statement (PDS)

Available to 95% of Aussie homes

Some geographic limitations apply.

How AAMI Home Assist works

If you’ve selected AAMI Home Assist as an optional cover on your AAMI Home Insurance policy and you’ve had it for 24 hours or more:

For assistance in a home emergency - ie, a sudden and unforeseen incident at your home which requires urgent attention - call 13 22 44.

We can connect you with a plumber, electrician, locksmith or carpenter.

Tax Probe

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

Back in Business

Covers you for a reduction in your business revenue as a result of damage to your property by an insured event.

Theft

Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Property Damage

Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion.

Public and Products Liability

Covers you for the cost of compensation if your business is responsible for personal injury or property damage.

Home & Contents including Legal Liability

Home & Contents covers a range of insured events, such as fire, theft or attempted theft, storms, flood and lightning.

Legal liability covers your liability to pay compensation for death or injury to other people, or loss of or damage to their property, if it results from an incident that’s connected with you owning or living in the home at the insured address. Legal liability on contents covers your liability to pay compensation for an incident which causes death or bodily injury to other people, if it occurs anywhere in Australia or New Zealand.

Damage to other people and their property

Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property.

Loss of rent

Up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, for unit owners if their unit is damaged and their tenant can't live in it as a result of an incident covered by the policy.​

Loss of rent

The longest period we will pay for one incident is 52 weeks and the most we will pay in total is up to $25,000 if your property cannot be lived in as a result of an incident covered by the policy.

Contents damage or loss

Only those contents which are owned by the landlord but kept within the property are covered.

Third party cover

You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house.

Legal liability

We cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance:

  • which is unrelated to your ownership of the building, unit or land at the insured address, unless you are living in a unit and/or own the unit and your legal liability is not covered under a building policy which covers that unit; or

  • if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.

We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.

Legal liability

We cover your legal liability to pay compensation for death or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of cover:

  • in connection with you owning or living in the building; and

  • at the insured address.

We will also pay the associated legal costs which we have agreed in writing to pay. The most we will pay for all claims from any one incident under building legal liability cover is $20 million, including all associated legal costs.

Lifetime guarantee on building repairs

When we repair or rebuild the building, we guarantee the quality of workmanship of that work for the lifetime of the building if we:​

  • authorise;​
  • arrange; and​
  • pay the builder or repairer directly for this work.​

For full details, see the PDS.

Portable valuables

Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home.

Specified contents at home

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Temporary Accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary Accommodation

Temporary accommodation for unit owners if their unit is damaged and can’t be lived in, up to 10% of the building sum insured and the longest period that can be claimed for is 52 weeks, as a result of an incident covered by the policy.​

Temporary Accommodation

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Temporary Accommodation

If your home is damaged and your policy offers cover for a repair or rebuild, we’ll cover accommodation costs for as long as that takes (up to 52 weeks). Our maximum payout for any one incident is 10% of the building sum insured — unless you have optional Complete Replacement Cover, in which case we’ll pay reasonable & necessary costs.

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.

Tenant Protection

Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out or fuses and that motor is less than 7 years old, we'll help you take care of repair or replacement.

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.

24/7 AAMI Home Assist

Available 24 hours after adding the option to your policy.

General maintenance

AAMI Home Assist does not cover general maintenance, such as the provision or replacement of windows, doors, glass, tiles, carpets and of fittings and fixtures. Other exclusions apply - please read the .

Preventative services

AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. Read the .

Disaster response

AAMI Home Assist is not an emergency rescue or disaster response service. Read the to find out more.

Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.

This doesn’t cover damage caused by:

  • Wear and tear
  • The gradual deterioration of something with age
  • Deliberate acts
  • Defective workmanship

Limits and exclusions

This Optional Cover is for fixed glass only. Refer to the PDS for more information.

Got an eligible policy? Log in to your account and click ‘Get a Quote’.

Eligible policies are:

  • Home, Contents, or combined Home & Contents Insurance Policies
  • Landlord Property, Landlord Contents, or combined Property & Contents Insurance Policies
  • Fire and Theft Contents Insurance Policy
  • ACT MAI Insurance
  • NSW Green Slip (CTP)
  • Comprehensive Car Insurance Policy
  • Third Party Property Damage Car Insurance Policy
  • Fire, Theft & Third Party Property Damage Car Insurance Policy

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Home & Contents Insurance - $50 off when you quote and buy online | AAMI (2024)
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