Name: AAMI home insurance
Brand: AAMI
Rating: 3.8 (716 reviews)

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

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

Save $50 when you buy a new policy online.

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.
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

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

Save $50 when you buy a new policy online.

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.
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

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

Save $50 when you buy a new policy online.

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.

Showing 3 results from 14 home insurance policies. Use the filters to see more

Customer reviews

David

Victoria - 5 months ago

4.0

AAMI offers solid home insurance with good service

I have home insurance with AAMI, and overall, my experience has been quite positive. One of the things I appreciate most is their comprehensive coverage options, which cater to different needs, whether it’s for the building, contents, or personal liability. Their website and mobile app are user-friendly, making it easy to manage my policy and file claims. Customer support has also been a strong point; I’ve found them to be responsive and helpful when I needed assistance. However, I’ve noticed that their premiums can be on the higher side compared to some competitors, and while I’ve had a good claims experience, I’ve heard some customers mention delays or disputes during the claims process. It’s important to read the fine print as well since certain exclusions might come as a surprise. All in all, AAMI is a solid choice for home insurance, especially if you value good coverage and customer service

Price

2.0
Features

4.0
Service

3.5
Convenience

3.5
Trust

4.0

Cassandra

Victoria - 11 months ago

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

Colin

Victoria - 11 months ago

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

Colin

Victoria - 11 months ago

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

Sarah

New South Wales - about 1 year ago

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

Susanne

Victoria - over 1 year ago

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

Phillip

New South Wales - over 1 year ago

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

Debbie

Western Australia - almost 2 years ago

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

Rosanna

Victoria - almost 2 years ago

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

Disclaimer

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Learn more about Mozo.

Disclaimer

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.

D

David

Victoria - 5 months ago

4.0

AAMI offers solid home insurance with good service

I have home insurance with AAMI, and overall, my experience has been quite positive. One of the things I appreciate most is their comprehensive coverage options, which cater to different needs, whether it’s for the building, contents, or personal liability. Their website and mobile app are user-friendly, making it easy to manage my policy and file claims. Customer support has also been a strong point; I’ve found them to be responsive and helpful when I needed assistance. However, I’ve noticed that their premiums can be on the higher side compared to some competitors, and while I’ve had a good claims experience, I’ve heard some customers mention delays or disputes during the claims process. It’s important to read the fine print as well since certain exclusions might come as a surprise. All in all, AAMI is a solid choice for home insurance, especially if you value good coverage and customer service
- Price
  
  2.0
- Features
  
  4.0
- Service
  
  3.5
- Convenience
  
  3.5
- Trust
  
  4.0
C

Cassandra

Victoria - 11 months ago
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 - 11 months ago

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 - 11 months ago
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 - about 1 year ago

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 - over 1 year ago

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 - over 1 year ago
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 - almost 2 years ago

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 - almost 2 years ago
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

AAMI home insurance

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