AAMI home insurance

AAMI (Australian Associated Motor Insurers)s was founded in 1970, after having provided insurance policies to motor clubs since 1934. It is now part of the Suncorp Network and offers car as well as home building and contents insurance to home owners and renters Australia-wide.

AAMI’s Home Building & Contents Insurance policy won a 2023 Mozo Experts Choice Awards in the Exceptional Value Home & Contents Insurance category. It is also known for its simple claims system and commitment to serving their customers and community. AAMI customers also get access to the AAMI "Lucky Club", which is a rewards program that gives access and discounts to many retail outlets and venues around Australia.

AAMI offers the following home insurance

Cover information and limits in the table below verified as correct at 23 June 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Home Building & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Optional extra

full building replacement

Yes

Home Building Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Optional extra

full building replacement

Yes

Home Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

How is AAMI home insurance rated?

Mozo users have rated AAMI home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
AAMI home insurance customer reviews
Overall
7.6/10
Value for money
7.3/10
Policy coverage
7.6/10
Customer service
7.8/10
Claims handling
7.2/10
Trust
7.5/10
Based on 711 AAMI product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent AAMI home insurance reviews

AAMI Home Insurance
Overall 8/10
The more you push the more discount you get

My last renewal the cost of the insurance went up by $400 and I didn't make any claims. You are always hearing that you need to shop around so I did and the quotes that I received were what I was paying before the price hike or a little less. I ended up calling AAMI telling them what I found and after a 15 minute conversation back and forth with the cost I got my insurance cheaper than what they quoted me. Could not believe it so I stayed with them.

Read full review

My last renewal the cost of the insurance went up by $400 and I didn't make any claims. You are always hearing that you need to shop around so I did and the quotes that I received were what I was paying before the price hike or a little less. I ended up calling AAMI telling them what I found and after a 15 minute conversation back and forth with the cost I got my insurance cheaper than what they quoted me. Could not believe it so I stayed with them.

Value for money
7/10
Policy coverage
7/10
Customer service
9/10
Claims handling
9/10
Trust
9/10
Less
Susanne, Victoria, reviewed 3 months ago
AAMI Home & Contents Insurance
Overall 9/10
Much cheaper with AAMI than APIA

I like this insurance company as they're a breath of fresh air in the industry, have friendly staff and were $1200 cheaper than our previous insurer for the same insurance cover. We've got no regret ion changing over to them.

Read full review

I like this insurance company as they're a breath of fresh air in the industry, have friendly staff and were $1200 cheaper than our previous insurer for the same insurance cover. We've got no regret ion changing over to them.

Value for money
9/10
Policy coverage
10/10
Customer service
9/10
Claims handling
10/10
Trust
10/10
Less
Phillip, New South Wales, reviewed 8 months ago
AAMI Home Insurance
Overall 1/10
UN-LUCKY YOU ARE WITH AAMI

Our brick fence was damaged by the storms we had last year. On the other side of the wall I have two neighbours, a subdivided lot. One of the neighbours are secured with RAC and he got $6.500. The other neighbour and us very very UN-LUCKY been with AAMI were told that the wall was faulty. This wall was approved by council, and was build 20 years ago with no issues ever.

Read full review

Our brick fence was damaged by the storms we had last year. On the other side of the wall I have two neighbours, a subdivided lot. One of the neighbours are secured with RAC and he got $6.500. The other neighbour and us very very UN-LUCKY been with AAMI were told that the wall was faulty. This wall was approved by council, and was build 20 years ago with no issues ever.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Debbie, Western Australia, reviewed 11 months ago
AAMI Home & Contents Insurance
Overall 1/10
Who, AAMI ? Yeh, good luck....

We've been an AAMI customer for approx 10 years now & in the past several years I've noticed them making silly errors on our annual insurance policy docs. which I've needed to call their service centres several times to have fixed ! This is unacceptable, unprofessional & reckless. As anyone will know that all info. on these docs. need to be correct & up to date or it will have repercussions on future claims ! AAMI would do better focusing on improving their customer service & systems before wasting millions on ridiculous little TV commercials & eye catching billboards. AAMI, get your act together - it may not so much pay off in dollars, but in reputation - which your are now loosing.

Read full review

We've been an AAMI customer for approx 10 years now & in the past several years I've noticed them making silly errors on our annual insurance policy docs. which I've needed to call their service centres several times to have fixed ! This is unacceptable, unprofessional & reckless. As anyone will know that all info. on these docs. need to be correct & up to date or it will have repercussions on future claims ! AAMI would do better focusing on improving their customer service & systems before wasting millions on ridiculous little TV commercials & eye catching billboards. AAMI, get your act together - it may not so much pay off in dollars, but in reputation - which your are now loosing.

Value for money
2/10
Policy coverage
1/10
Customer service
1/10
Trust
1/10
Less
Rosanna, Victoria, reviewed 11 months ago
See all home insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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