BUILDING ITEMS
Temporary accommodation
COVERED
Sometimes, you may be unable to live in your home for an extended period of time due to loss or damage caused by an insured event while your home is being repaired or rebuilt. This is why knowing what cover there is for temporary accommodation under AAMI Home Building Insurance can be an important bit of information.
What's covered
When you’re covered for loss or damage to the building and it can’t be lived in, we’ll pay for your reasonable and necessary temporary accommodation costs while it’s being repaired or rebuilt.
We’ll also pay for temporary accommodation for your domestic pets. This will be in a commercial boarding establishment for the same period as your temporary accommodation.
The most we’ll pay for your short term accommodation is up to 4 weeks, at a location agreed to by us. For example, we’ll pay standard rates for a hotel, motel, or serviced apartment.
If you still need temporary accommodation after the 4 weeks, we’ll pay for residential accommodation of a similar standard to your insured building, located in a similar location.
For example, if the insured building is a 3-bedroom building, we’ll aim to put you in a 3-bedroom building in the same or similar location to yours.
When you’re covered for temporary accommodation, we’ll also cover some expenses related to temporary accommodation, such as the reasonable and necessary costs for the:
- redirection of mail from the insured address for up to 52 weeks, and
- utility connection costs for water, electricity, and gas at the temporary accommodation residence.
Just know that the most we will pay for any one incident is up to 10% of the building sum insured, unless your certificate of insurance shows that you have Complete Replacement Cover® option in which case we pay the reasonable and necessary costs for up to 52 weeks. Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair.
You can learn more about the extent of this cover and limits that apply in the Product Disclosure Statement.
What’s not covered
There are some instances where you will not be covered. Such as, we do not cover temporary accommodation costs if you do not intend to repair or rebuild the building, if the building was not your principal place of residence, or if you had planned to demolish the building before the loss or damage occurred.
You can learn more about this cover and other exclusions in the PDS.