Building items

We cover the building at the insured address that you own or are responsible for and use primarily for domestic purposes and described as 'The building' on your certificate of insurance. Like any insurance policy, there are always some things we don't cover.

This is a summary only. Limits, conditions, and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details.

The content on this page applies to policies started or renewed on or after 24 January 2025.

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Accidental breakage of glass (building)

Boat jetties, pontoons, and mooring poles

Damage from physical injury or incident

Decks, pergolas, pagodas, gazebos, verandas and balconies

Electrical appliances permanently housed, connected or wired to the building

Emergency repairs and other repair/rebuilding costs

Exploratory costs where liquid escaping isn’t covered under insured event ‘Escape of liquid’

External blinds and shutters

Fencing

Fixed swimming pools and spas

Floating floors

Garages, carports and outbuildings

Garden borders, sealed pathways and paved or concreted floor areas

Granny flats and sheds

Gas appliances permanently plumbed to a gas supply

Lino or vinyl flooring installed, whether permanently attached or not

Lock replacement

Motor burnout

Outdoor walls, free-standing outdoor walls, gates and retaining walls

Permanently attached fixtures including wall, ceiling and floor coverings

Permanently fixed outdoor items

Sealed driveways and sealed roads

Services

Storage tanks

Temporary accommodation

Tennis courts and other sporting surfaces

Uninstalled building fittings, fixtures and materials

AAMI Home Assist

Accidental damage at home

Complete Replacement Cover®

Excess-free Glass cover

Air conditioners attached within a window

Any building or part of a building insured or required to be insured by a strata under the applicable strata laws

Any new building in the course of construction

Any part of the building used for farming

Anything defined as contents

Carpets, rugs, internal blinds and shutters, drapes, or curtains

Common property

Dead weight moorings

Domestic outbuildings

Electrical or electronic items no longer able to be used for intended purpose

Inflatable or portable swimming pools and spas

Loose or compacted soil, sand, lawn, grass, artificial grass, gravel, pebbles, rocks, or granular rubber

Plants, trees, shrubs, or hedges in the ground

Temporary or mobile structures

Used or applied chemicals, fertilisers or pesticides