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AAMI Home & Contents Insurance

Advertiser disclosure
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review AAMI Home & Contents Insurance

Last updated: 24 February 2021.

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What's hot
  • 2020 Mozo Experts Choice Award winner
  • 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 12 April 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
  • Up to $200

  • 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 $1,000 per item

  • Up to $1,000 per item, up to $5,000 in total, up to $5,000 for collections

  • Up to $1,000 per item, up to $5,000 in total

  • Up to $500

  • No

  • No

  • Yes

  • Up to $2,000

  • No

  • Up to $10,000

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

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are AAMI home insurance rated by the Mozo community?

Overall
7.7/10
Value for money
7.3/10
Policy coverage
7.6/10
Customer service
7.9/10
Claims handling
7.2/10
Trust
7.6/10

Latest reviews of AAMI Home & Contents Insurance

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