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AAMI Home & Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review AAMI Home & Contents Insurance - last updated: 29 September 2021

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What's hot
  • New for old replacement
  • Temporary accommodation cover
What's not
  • Monthly payments cost extra
Mozo snapshot

AAMI home and contents insurance provides comprehensive cover for a wide range of circumstances. And having been recognised in the 2020 Mozo Experts Choice Awards for exceptional value, AAMI gives you the chance to protect your valuables and your budget at the same time.

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Key features

With AAMI home and contents insurance, you’ll receive cover for damage caused by a range of events including fire, storm, flood, accidental glass breakage, vandalism, and theft or attempted theft. Flood cover is also automatically included, unless you choose to remove it from your policy. Conveniently, cover also extends to outdoor structures such as your garage or shed, as well as other fixtures such as fences, decks and solar panels.

If the motor in one of your fixed appliances dies out, AAMI will repair or replace it, so long as it’s less than seven years old. And if your property is damaged and you need to stay elsewhere while it’s being repaired or rebuilt, AAMI will pay for 12 months of temporary accommodation (or up to 10% of the building sum insured).

New for old replacement also means that if any of your belongings are lost or destroyed by an insured event, AAMI will replace them with new ones of the same value. And if your home suffers damage and all or some of its contents need to be stored elsewhere, the cost of storage will be covered up to 10% of the sum insured.

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Who is it good for

AAMI home and contents insurance could be a suitable option for those looking to safeguard their home and belongings against things like flood, storm and fire.

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Any catches

Make sure to read the PDS carefully before signing up, as there are a few exclusions and conditions you’ll need to be aware of. For example, AAMI won’t pay a claim for damage caused by a defect, structural fault or design fault that you knew or should have known about and did not fix beforehand.

Details

Rates and fees information correct as at 17 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Optional extra - full building replacement

Yes

$200

true

n/a

Online, AAMI/Family Association, combined policy

Yes

Up to 90 days, up to 20% of sum insured

Up to 20% of sum insured

Up to $20,000,000

n/a

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Up to 7 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Yes

Yes, retaining walls, garden borders, pathways and paved areas.

Yes

Contents

No

No

Up to $1,000 combined with computer software

Hardware yes. Software up to $1,000 combined with CDs/DVDs

Optional Extra

Yes

Up to $2,000 per item

Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections

Up to $2,000 per item, up to $5,000 in total

No

No

No

Yes

Up to $2,000

No

Yes

Other cover

No

No

No

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Up to 10% of sum insured

Up to 14 days for contents only

No

*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.

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