Table of Content
FYI, storm damage is one of our most common claims, so this is a biggie. If it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement. Up to $25,000 for damage to, or loss of, the contents of your home caused by fire or break-ins.
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Will Home Insurance cover keep up with rising costs?
This calculator estimates the value of your home contents using values supplied by Sum Insured Pty Ltd, Australia's leading provider of building contents cost information. Each of AAMI’s insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution. Actions or movements of the sea and storm surge are not covered . Including power surges caused by lightning, will be covered providing a qualified repairer confirms lightning as the cause of loss or damage. Where an emergency situation poses a risk to your personal safety or property, or the personal safety and property of any other person, contact the appropriate emergency or rescue services.
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What can AAMI Home and Contents Insurance cover?
You can save up to 10% by combining cover for your building and its contents on the one policy! FYI, the discount doesn't apply to some options, including portable valuables cover. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.
If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value. Understanding the difference between fixtures and fittings can make life easier when figuring out your home insurance policy. All product information displayed on this website is subject to policy terms and conditions . By providing general information about your home the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish. 'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
Estimate how much you’d need to rebuild your home from scratch.
We cover the building for accidental loss and damage at the insured address during the period of insurance. If there’s more than one building on your block of land, or your building shares a wall or other common property such as a driveway or rooftop garden, then you probably need Strata Insurance. AAMI offers cover for properties with two to 10 buildings, with optional cover for shared contents such as washing machines and gym equipment. To avoid being underinsured, your home and contents sum insured should reflect what it would cost to rebuild your house or replace your contents at today’s prices. If your claim for loss, theft or damage to your contents is covered, your contents may be replaced, repaired or we may pay you. We will aim to use a member of our supplier network to repair or replace damaged contents.
It can provide cover for up to 10 buildings on the same block. And nominate its value your phone will be covered up to that amount for accidental loss or damage anywhere in Australia or New Zealand. You’ll have cover, for up to $20 million, for your legal liability if a third party is injured or has their property damaged in an incident at your house. If you accidentally drop, knock, spill or otherwise damage something at home, this optional cover can help. It can apply to your house itself, your contents, or both, depending on your policy. Public Liability offers cover for your costs if you are found to be legally responsible for personal injury to a third party, or damage to their property.
Up to $20 million cover for your legal liability for an incident at your rental property connected to you owning the property. Covers you for the cost of compensation if your business is responsible for personal injury or property damage. Offers up to $20 million cover for your legal liability caused by an incident at your home address, if that incident is connected to you owning or living at that property. Covers loss of, and damage to, buildings, if caused by an insured event such as fire, break-ins and weather events .
Covers loss of, or damage to, the things in your home, garage and/or shed after an insured event. You can also add Portable Valuables Cover for items you often take outside the home, such as a laptop computer. Mozo’s Editorial Star Ratings are a score out of 5 stars arrived at by the author of the review after careful consideration of a product’s rates, fees and features when compared with other products that offer similar features. Sum Insured Pty Ltd, Australia’s leading provider of building contents cost information.
You can easily change the sort order of the products displayed on the page. Other benefitsBuy an eligible Home or Car Insurance policy and save 20% off your 2nd eligible policy online. These may not be likely, depending on where you live, but you'll be covered just in case. For a full definition of ‘new for old’ and for how we settle contents claims, refer to the PDS. Eligible policies include AAMI Motor and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.
Estimate the replacement cost of your home’s contents and determine how much contents cover you may need. If you have some especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value. AAMI Home Assist does not cover preventative services, such as the removal of property, rubbish or debris. If the motor in one of your fixed appliances burns out and that appliance is less than 7 years old, we'll help you take care of repair or replacement. Covers you for a reduction in your business revenue as a result of damage to your property by an insured event. Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.
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. If you own a property that shares walls or property, such as an apartment or townhouse, you can consider Strata Insurance. Strata Insurance provides cover for damage caused by insured events to buildings with shared property, as well as shared areas like driveways and stairways.
Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured. The more info you can enter into the calculator, and the more accurate that info is, the more accurate your estimate will be. Building and material costs can fluctuate, and there are unique features of every home that can influence how much it will cost to rebuild.
If you own the property from which your business operates, you can consider an AAMI Business Insurance package. We offer a range of customisable options that let you put together a policy that suits the needs of your business. This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises. If you’re a property owner and you lease your commercial premises to businesses, we can help you stay covered. Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.
Only those contents which are owned by the landlord but kept within the property are covered. Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault. AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.
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