AAMI Fire and Theft Contents Insurance is a limited contents policy for Australian renters: it covers eligible belongings kept inside the insured building or unit for specified fire (including bushfire) and theft or burglary losses. It does not insure the building, and it does not cover damage from many other causes. AAMI states a maximum contents payment of $25,000 for any one incident unless the policy says otherwise, so check the applicable Product Disclosure Statement (PDS) and your Certificate of Insurance before deciding whether the cover fits your household.
What the policy covers
The policy is for contents at the insured address, inside the insured building or unit. Its central insured events are fire, including bushfire, and theft or burglary. It is not building insurance, and the product summary describes the contents cover as limited to items inside the insured premises.
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AAMI states that the maximum payable for contents loss or damage is $25,000 for any one incident, unless the policy specifies otherwise. That is a policy limit, not a promise that every claim will be paid up to that amount: the policy terms, exclusions, applicable limits and claim assessment still matter.
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Legal liability
AAMI advertises up to $20 million of legal liability cover for renters. Its policy summary describes this as the maximum for all claims arising from one incident, including associated legal costs. Check the PDS and your Certificate of Insurance for the terms that apply to your policy.
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What it does not cover
The Key Facts Sheet identifies these as not covered under the listed events and circumstances. It is a summary, not a replacement for the PDS and policy documents.
- Flood and storm
- Accidental breakage
- Earthquake and lightning
- Actions of the sea
- Malicious damage
- Fire damage caused by arcing, scorching, melting or cigarette burns, unless a fire spreads from the initial burn spot
Theft cover also has important limits. The Key Facts Sheet excludes theft loss or damage caused by the policyholder, someone who lives at the insured address, or someone who enters with the policyholder’s consent or authority. Read the full policy wording to understand how these conditions apply to your circumstances.
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Is fire-and-theft-only cover enough?
The key trade-off is a narrower set of insured events. AAMI also offers broader Contents Insurance; compare the actual event list, limits, excess and premium for each option rather than assuming that the broader policy covers every possible loss. Premiums and excesses depend on the quote and policy, and no general amount applies to all renters.
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| What to compare | Fire and Theft Contents | Broader contents cover |
|---|---|---|
| Insured events | Fire (including bushfire) and theft or burglary, subject to the policy terms. | Check the alternative policy’s event list and conditions; do not assume cover for any particular event. |
| Contents limit | AAMI states a maximum of $25,000 for any one incident unless the policy says otherwise. | Check the sum insured and any category sublimits in the applicable policy documents. |
| Where contents are covered | Inside the insured building or unit at the insured address, according to AAMI’s policy summary. | Check whether cover is restricted to the address or extends elsewhere. |
| Excess and premium | Quote- and policy-specific; check your quote and Certificate of Insurance. | Quote- and policy-specific; compare on the same basis. |
| Liability and claim terms | AAMI advertises up to $20 million liability cover; check the applicable policy wording and limits. | Check the liability limit, settlement terms and eligibility in the alternative policy. |
This limited option may suit a renter who wants protection for the specified fire and theft risks and is comfortable with the exclusions and maximum contents payment. If storm, flood, accidental breakage or other excluded causes are material concerns, compare policies that list those events, paying attention to their own definitions, exclusions and any waiting periods.
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Renters and share houses
Renters generally need to insure their own belongings; a landlord’s building cover does not insure a tenant’s contents. AAMI’s renter guidance says that, for its share-house policy, a renter cannot insure only the belongings in one room. If you share an address, confirm who is insured and what contents the policy covers rather than assuming an individual-room arrangement is available.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Check the policy version and your own documents
AAMI’s policy-document information says its PDS applies to new business and renewals commencing on or after 24 January 2025. AAMI also says the revised wording includes changes to exclusions and removes the lifetime guarantee on authorised repairs. The commencement or renewal date matters: use the PDS that applies to your policy, along with your Certificate of Insurance, for a specific coverage decision. Policy wording, premiums, excesses, discounts and eligibility can change.
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- Find the commencement or renewal date on your Certificate of Insurance.
- Match that date to the applicable AAMI PDS on AAMI’s policy-document page.
- Check your listed contents sum insured, excess, insured address, insured events, exclusions and any specific limits.
- For a share house or an item whose value is important to you, confirm the arrangement and applicable limits in the policy documents before relying on cover.
AAMI’s Key Facts Sheet can help you scan the main event categories, but the PDS and your policy documents govern the details of your cover.
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