AAMI Home and Contents insurance is designed to cover a home and household belongings against specified insured events, subject to the policy’s definitions, exclusions, limits, excesses and the selections recorded on the customer’s Certificate of Insurance. The key distinction is that contents cover is for belongings, not the home or its permanent fixtures. For policies starting or renewing on or after 24 January 2025, AAMI identifies its current Home Contents Product Disclosure Statement (PDS) as the applicable wording.
What AAMI Home and Contents insurance covers
AAMI describes insured events such as fire, theft, storms and lightning. These examples are not a guarantee that every loss connected with an event will be covered: the PDS sets out the relevant definitions, conditions, exclusions and limits, and the Certificate of Insurance records the customer’s policy details.
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Contents generally means household items owned by the insured, or for which they are responsible, and primarily used for domestic purposes. AAMI’s examples include furniture, clothing, appliances, computers, tablets and phones. Its product material describes repair or replacement on a new-for-old basis after covered loss or damage, but that wording remains subject to policy terms and limits; it does not mean unlimited replacement in every claim.
AAMI also describes legal liability cover for certain claims involving injury or property damage arising at home. The applicable scope and amount are governed by the policy wording, so check the PDS and Certificate of Insurance rather than assuming a general limit.
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Where the building-and-contents boundary falls
Contents insurance is for household belongings, not the home itself or its permanent fixtures. Building cover concerns the home and permanently attached elements. If you are deciding which type of cover you need, consider whether an item is a movable possession or part of the property; the policy definitions determine how a particular item is classified.
This distinction matters for owners, tenants and strata-title residents in different ways. A contents policy should not be treated as building insurance. Check what cover applies to the dwelling and fixed elements in your situation, and review any relevant strata or tenancy arrangements alongside your own policy documents.
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Optional cover: what changes and what to verify
AAMI lists optional cover choices that can alter which losses or items are covered. These options are not automatically included: verify the selection, limits, excess and any additional premium on your own Certificate of Insurance.
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|---|---|---|
| Accidental Damage at Home | Optional cover for accidental loss or damage at home, for an additional premium. | Which accidental losses qualify, the applicable exclusions and excess, and whether the option appears on your Certificate of Insurance. |
| Contents with Flexible Limits | Lets customers specify higher sums for selected valuable contents, subject to the PDS and an additional premium. Specified items are shown on the Certificate of Insurance. | Which items are specified, the recorded sums and applicable terms. Do not assume an item has a higher limit unless it is listed as required by the policy. |
| Extra Cover Portable Valuables | Optional cover for specified valuables away from the insured address in Australia and New Zealand, subject to policy terms. AAMI gives specified jewellery as an example of an item that may be covered at home and away when the relevant optional cover is selected. | Whether the item is specified, where it is covered, and the applicable limits, excess and conditions. |
Limits, exclusions and the flood waiting period
Item limits and spoilage
AAMI states a maximum payment of $400 for spoiled food and medication due to an insured event. That is a policy limit example, not an industry statistic; claim circumstances and applicable conditions are determined by the PDS. Check the wording for other item-specific limits and how they apply to belongings you own.
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Flood cover and timing
AAMI says flood cover is automatically included in current policies and cannot be removed. It also states that flood is not insured during the first 72 hours after the policy starts, subject to limited exceptions. If you already hold a policy, check your Certificate of Insurance for any recorded limitation and the applicable commencement details.
Exclusions and policy changes
AAMI’s summary of PDS updates for applicable policies starting or renewing from 24 January 2025 highlights changes involving building works, hacking or cyber incidents, and rust or corrosion among general exclusions. The update page is a summary, not a complete list. Read the PDS definitions and exclusion wording before relying on cover for a particular cause of loss.
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Which policy documents to read before buying or renewing
AAMI’s Home Contents PDS applies to new business and renewals commencing on or after 24 January 2025. If your policy began or renewed at another time, check which PDS applies to it rather than assuming the current wording governs. AAMI also lists a Key Fact Sheet, Target Market Determination and Additional Information Guide; these documents do not replace the PDS or your Certificate of Insurance.
- Confirm the applicable PDS. Match the document to your policy’s start or renewal date and read the full terms, not just the product summary.
- Check the Certificate of Insurance. Verify the insured address, sum insured, excesses, selected options, specified items and any recorded limitations.
- Review the risks and belongings that matter to you. Check how the PDS treats the relevant event, item, location and cause of damage, including belongings taken away from the insured address.
- Check limits and exclusions against your needs. Look for item-specific caps, definitions and exclusions that could affect the cover you expect.
AAMI’s public product pages explain broad features but cannot establish an individual customer’s premium, eligibility, selected excess or claim outcome. Those depend on the quote, policy documents and circumstances of a claim.
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