We guarantee you’ll never be under insured
Recent research* shows that up to 80% of Australian homes are under insured. With AAMI Complete Replacement Cover™ you’ll never have to worry whether your sum insured is enough.
You’re insured for the real cost of repairing or rebuilding your home, not an estimated value. It’s a standard feature of all AAMI building insurance policies.
Major damage to your home, or the complete loss of your home, can be devastating. At AAMI, we are committed to relieving your stress and helping you return to normality as fast as we can. One call to 13 22 44 or a visit to our branch and Customer Service Centre network, and we will take care of all the details for you.
In choosing to insure with AAMI, you will receive many more benefits than just a competitive price.
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AAMI Flexi-Premiums ™
With AAMI you can choose how much you pay and how much you save, simply by varying your excess.
The higher excess you choose, the lower your premium. It’s that easy.
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Flexible payment options
With AAMI you also enjoy more choice when it comes to paying your premium.
You can choose to pay your premium monthly or annually, whichever is more convenient for you.
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Combined home and contents discount
If you choose to insure your home contents with AAMI when you have AAMI
Home Building Insurance, you will qualify for a discount.
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One point of contact
For each claim, we appoint you with your own personal client manager who organises every detail
from beginning to end, including arranging all quotes and repairs. If you want, you can also choose
a repairer to supply a quote. There’s no paperwork and you’ll experience ongoing communication
and personalised service throughout the process.
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We make sure your home is safe 24/7
As soon as you tell us about any damage to your home, we take immediate steps to ensure your home
is safe and secure. Both you and your home will be taken care of 24/7.
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Temporary accommodation
Most people never think about where they would stay while their home is being repaired or rebuilt.
If you can’t live in your home, AAMI will cover the cost of temporary accommodation of a comparable standard
for up to 12 months. So you won’t have to worry about making your family comfortable while your home is being restored.
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Covering off the details
AAMI covers costs that are often forgotten. When you insure with us, you’re covered for; sourcing of materials,
the cost of surveyors and architects, satisfying the requirements of any local council or authority and other tasks
that form part of getting your home back to how it was.
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The AAMI Lifetime Guarantee
The quality of workmanship and the materials we use in any repair or rebuilding of your home are guaranteed for
the life of the property. When we repair or rebuild your home, we will use new materials and take special care to match details
such as colours and materials.
For more information please see our Home Insurance Policy Documents or visit Common Questions.
If you or your partner are over 50 and one of you not working full-time you might also like to consider home insurance offered by Apia.
*Source: Getting home insurance right a report on home building underinsurance, 2005, Australian Securities and Investments Commission.