Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
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.
Last updated 10 January 2025
Important disclosures
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Products are initially shown with ‘Promoted’ products at the top that we have chosen to advertise more prominently. The table beneath lists products that meet the information in the filter, sorted according to estimated repayments for loans, and interest rates for deposits. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
AAMI home insurance
Home Building Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
Optional extra - full building replacement
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
Optional extra - full building replacement
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 7 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
No
Monthly payments cost extra
yes
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Yes
Emergency storage
No
Temporary accommodation
Up to 12 months, up to 10% of sum insured
Temporary accommodation for pets
No
Temporary repairs
Up to 10% of sum insured
Buildings and structural improvements
Yes
Building materials
Yes
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas.
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Buy an eligible Home or Car Insurance policy and save 20% off your 2nd eligible policy online. Save $25 when you buy a new policy only.
Home Contents Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 7 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
No
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
No
Antiques and valuables
Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections
Cash
No
Cd dvd and electronic files
Up to $1,000 combined with computer software
Computer software and hardware
Hardware yes. Software up to $1,000 combined with CDs/DVDs
Camera and accessories
Optional Extra
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $2,000 per item, up to $5,000 in total
Personal medical equipment
Yes
Replacement of documents
No
Tools of trade
Up to $2,000
Lock replacement
No
Emergency storage
Up to 10% of sum insured combined with debris removal cost and demolition cost
Temporary accommodation
No
Temporary accommodation for pets
No
Temporary repairs
No
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 10% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Buy an eligible Home or Car Insurance policy and save 20% off your 2nd eligible policy online. Save $25 when you buy a new policy only.
Home Building & Contents Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
Optional extra - full building replacement
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
Optional extra - full building replacement
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 7 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
No
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
No
Antiques and valuables
Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections
Cash
No
Cd dvd and electronic files
Up to $1,000 combined with computer software
Computer software and hardware
Hardware yes. Software up to $1,000 combined with CDs/DVDs
Camera and accessories
Optional Extra
Carpets
Yes
Home office contents
Yes
Identity theft
No
Jewellery
Up to $2,000 per item, up to $5,000 in total
Personal medical equipment
Yes
Replacement of documents
No
Tools of trade
Up to $2,000
Lock replacement
Yes
Emergency storage
Up to 10% of sum insured combined with debris removal cost and demolition cost
Temporary accommodation
Up to 12 months, up to 10% of sum insured
Temporary accommodation for pets
No
Temporary repairs
Up to 10% of sum insured
Buildings and structural improvements
Yes
Building materials
Yes
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Yes, retaining walls, garden borders, pathways and paved areas.
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Buy an eligible Home or Car Insurance policy and save 20% off your 2nd eligible policy online. Save $50 when you buy a new policy only.
Loading...
Your selected home insurance
Thanks!
Please check your inbox for your shortlisted home insurance
Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
Important information 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.
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. More about the Mozo customer ratings.
C
Cassandra
Victoria -
Product name: Home Contents Insurance
3.5
Too expensive but good claims process
I’ve been with AAMI since moving out of home, and I’m becoming increasingly dissatisfied due to the rising premium costs. I feel like it offers little value for money. I’m only with them because the claims process is easy, versus other insurers who I’ve heard don’t pay out. But I’m finding it difficult to afford AAMI.
Price
1.5
Features
4.0
Service
4.0
Convenience
4.5
Trust
3.5
C
Colin
Victoria -
4.0
great company
had a claim. fixed without a fuss.
Price
4.5
Features
4.5
Service
4.0
Convenience
4.5
Trust
5.0
C
Colin
Victoria -
Product name: Home Building Insurance
3.0
great company
great company to deal wit
Price
4.0
Features
4.0
Service
4.5
Trust
5.0
S
Sarah
New South Wales -
4.5
Discounts for multiple policies
Love AAMI, they give you a discount for adding multiple policies, have a great customer service team and easy to use. No issues!
Price
4.5
Features
4.5
Service
4.5
Trust
4.5
S
Susanne
Victoria -
4.0
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.
Price
3.5
Features
3.5
Service
4.5
Convenience
4.5
Trust
4.5
P
Phillip
New South Wales -
Product name: Home Building & Contents Insurance
4.5
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.
Price
4.5
Features
5.0
Service
4.5
Convenience
5.0
Trust
5.0
D
Debbie
Western Australia -
0.5
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.
Price
0.5
Features
0.5
Service
0.5
Convenience
0.5
Trust
0.5
R
Rosanna
Victoria -
Product name: Home Building & Contents Insurance
0.5
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.
Price
1.0
Features
0.5
Service
0.5
Trust
0.5
R
Rae
Victoria -
Product name: Home Building & Contents Insurance
0.5
AAmi bad policy bad service
they increased by home and building policy at renewal time by 138% when called to ask why they just said that the assessment was correct , my father lives less than 1 km away from was only increased by 36% and when l questioned them about that they just kept on stating that my policy amount was correct and l lodge a official complaint and two weeks later received letter to saying reassessment correct - just policy line , did not renew with them after 30 years with them
Price
0.5
Features
2.5
Service
2.5
Convenience
4.0
Trust
0.5
P
Pauline
Western Australia -
Product name: Home Contents Insurance
5.0
Wonderful staff friendly and helpful
Amazing insurance company have lots of products to choose from friendly people
*
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.