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Before choosing ahm Comprehensive, compare the current Product Disclosure Statement (PDS) and your Certificate of Insurance with your strata policy documents, then ask ahm about your specific property. The answer depends on the policy wording and the insured boundaries of your building, neither of which the reviewed FAQ resolves.
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Does ahm home insurance cover a strata apartment?
The available ahm FAQ does not say whether a strata lot is eligible for home cover or how the policy would respond when a body corporate holds building insurance. It describes home cover in general as cover for residential buildings and fixtures, but that description does not establish which structural parts or fixtures in a strata lot ahm would insure.
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Questions to put to ahm
- Is this specific strata property eligible for home cover?
- Which building elements, fixtures, and owner-installed improvements would the policy insure?
- How would the policy respond if the body corporate also insures an item or area?
- How do the policies handle excesses and claims involving both the lot and common property?
- What evidence or documents does ahm need to assess the property and its insured boundaries?
What does ahm distinguish between home and contents cover?
ahm says customers can choose home insurance, contents insurance, or combined home and contents insurance. Its FAQ describes home cover as applying to residential buildings and fixtures, while contents cover applies to belongings such as furniture, electronics, jewellery, bicycles, and sporting equipment. These are summary descriptions; the PDS sets out the full terms.
For a strata owner, this general distinction does not answer whether a fixture belongs under the strata policy or an individual owner’s policy. Verify the boundary for each item rather than treating “fixtures” as a definitive list of what ahm will cover in your lot.
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How should a strata owner choose between home, contents, or combined cover?
Start with the strata policy and the property boundaries it insures. Then ask ahm whether it will cover the remaining building elements or improvements in your lot. Choose contents cover for belongings only after checking that the policy is available for your circumstances and reviewing its limits. Consider combined cover only if ahm confirms what it would insure and how that cover fits with the strata policy.
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- Get the strata insurance documents. Identify what the body corporate policy insures and any relevant exclusions, excesses, or owner responsibilities.
- Describe your lot and its contents to ahm. Ask about eligibility, fixtures, improvements, and the exact property boundaries covered.
- Read the current policy documents. Check the PDS and any endorsements, then confirm that your Certificate of Insurance reflects the cover ahm has agreed to provide.
- Ask about overlapping claims. Get a clear explanation of how ahm and the strata insurer would coordinate if a loss involves property addressed by both policies.
- Compare the confirmed cover and cost. Review sums insured, item limits, accidental damage, excesses, premium, payment frequency, and claims handling—not just the product name.
What do ahm’s published summaries say about cover?
ahm defines the home sum insured as the maximum it would pay to repair or rebuild the home. Its FAQ says a rebuild estimate should account for demolition, debris removal, professional fees, and council fees, and notes that a suitably qualified professional may help estimate the cost. For a strata lot, ask ahm whether home cover is available and how it would apply before relying on a rebuild figure.
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Accidental damage
In ahm’s FAQ summary, accidental damage is covered only when Comprehensive Cover is selected. Basic Cover still includes accidental glass breakage. The FAQ gives scratching, chipping, or denting through normal use as examples excluded from accidental damage cover. Check the PDS for the full definitions, exclusions, and conditions.
Contents limits
The FAQ lists bicycles and portable musical instruments at up to $1,000 per item on Basic Cover or $2,000 per item on Comprehensive Cover. Jewellery, watches, collectables, and media are generally capped at $1,000 per item or collection unless individually listed on the Certificate of Insurance. It also says jewellery or watches valued above $20,000 must be kept in a locked safe at home when not worn to stay covered. These are published FAQ figures, not a substitute for checking the limits and conditions that apply to your current policy and certificate.
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Which ahm policy documents should you check?
ahm’s forms-and-guides index identifies the PDS/FSG for new policies quoted on or after 2 December 2025 and renewals on or after 1 January 2026. It also lists a document update dated 27 March 2026, effective for new and existing policies. The update and current applicability are noted on ahm’s forms and guides page.
Because the policy wording is decisive for a strata-specific decision, do not rely on the FAQ’s general descriptions alone. Read the PDS, your Certificate of Insurance, and your strata policy together, and ask ahm to resolve any uncertainty about eligibility or policy interaction. ahm’s home and contents insurance FAQ summarizes cover types, limits, excesses, and payment information.
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What affects the premium and excess?
ahm says the premium depends on the home and that customers can adjust their excess. It also says monthly payments may cost slightly more than yearly payments. The FAQ does not give sample premiums, so the cost for a strata lot cannot be inferred from those general statements; obtain a quote for the specific property and cover ahm confirms it can offer.
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