AAMI home and contents insurance provides comprehensive cover for a wide range of circumstances. It has been recognised in the 2023 Mozo Experts Choice Awards for exceptional value, AAMI gives you the chance to protect your valuables and your budget at the same time.
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.
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.
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.
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60 |
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Optional extra - full building replacement |
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Yes |
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$200 |
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true |
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no |
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Online, AAMI/Family Association, combined policy |
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Yes |
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Up to 90 days, up to 20% of sum insured |
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Up to 20% of sum insured |
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Up to $20,000,000 |
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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. |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to 7 years old |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes, retaining walls, garden borders, pathways and paved areas. |
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Yes |
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No |
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No |
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Up to $1,000 combined with computer software |
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Hardware yes. Software up to $1,000 combined with CDs/DVDs |
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Optional Extra |
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Yes |
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Up to $2,000 per item |
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Up to $2,500 per item, up to $5,000 in total, up to $5,000 for collections |
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Up to $2,000 per item, up to $5,000 in total |
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No |
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No |
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No |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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No |
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No |
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No |
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Up to 12 months, up to 10% of sum insured |
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No |
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Up to 10% of sum insured |
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Up to 10% of sum insured combined with demolition cost |
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Up to 10% of sum insured combined with debris removal cost |
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Up to 10% of sum insured |
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Up to 14 days for contents only |
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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.
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 reviewI 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.
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 reviewWe'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.
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
Read full reviewthey 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
We entrusted our home & contents insurance with this company for 15 years and the only one time we made a claim was when we noticed a few floor tiles were loose and water collecting in one corner of the shower. They sent out a plumber who did a thorough check all around our property and made a report that it was lack of maintenance as there was a leaking pipe under the tiles. We questioned the report and said we are unable to maintain something we cannot see but they refused to pay the claim. Do not trust them at all , they take your premiums regularly but will do everything not to pay out.
Read full reviewWe entrusted our home & contents insurance with this company for 15 years and the only one time we made a claim was when we noticed a few floor tiles were loose and water collecting in one corner of the shower. They sent out a plumber who did a thorough check all around our property and made a report that it was lack of maintenance as there was a leaking pipe under the tiles. We questioned the report and said we are unable to maintain something we cannot see but they refused to pay the claim. Do not trust them at all , they take your premiums regularly but will do everything not to pay out.
very bad, they refused to pay for my 3 claims, i already went to another honest company.
Read full reviewvery bad, they refused to pay for my 3 claims, i already went to another honest company.