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Events we can cover

We cover loss or damage to your building and/or contents caused by specific insured events under your policy, and there are some things we don't cover under your policy.

This is a summary only. Please read the Product Disclosure Statement (PDS) for full details.

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Coverage options

Damage by an animal

Earthquake and tsunami

Escape of Liquid

Explosion

Fire (including Bushfire)

Flood

Impact

Legal Liability

Lightning

Malicious acts and vandalism

Riot, civil commotion, or public disturbance

Storm

Storm surge

Theft or burglary

Actions or movements of the sea

Aircraft shock waves

Asbestos

Biological, chemical, other pollutant or contaminant

Breaking the law

Building, unit or contents not in good condition

Building extensions, alterations or renovations

Bushfires, storms, storm surges, floods, tsunamis in the first 72 hours of a new policy

Chemical damage when cleaning

Communicable Disease

Computer virus or computer hacking

Confiscation or damage by a legal authority

Defects, faults, or workmanship

Deliberate damage to a reservoir or dam

Deliberate or reckless actions

Extra costs or other losses following an incident covered by your policy

Ground movement

Hazardous materials

Legal Liability - Agreements you enter into

Legal Liability - Aircraft

Legal Liability - Animals

Legal Liability - Asbestos

Legal Liability - Building, altering, or renovating

Legal Liability - Buildings, property or land not at the insured address

Legal Liability - Business activity

Legal Liability – Caravans and trailers

Legal Liability – Committee members or officials

Legal Liability - Death or injury

Legal Liability - Defamation or copyright

Legal Liability – Drones, aerial devices or other autonomously piloted aircraft

Legal Liability – Erection or demolition

Legal Liability – Fines, penalties and other damages

Legal Liability – Legal actions in other countries

Legal Liability – Motor vehicles or motorcycles

Legal Liability – Property owned by you or property in your physical or legal custody (Home Contents only)

Legal Liability – Watercraft

Legal Liability – Your employees

Mechanical or electrical breakdown or failure

Medical equipment and aids (AAMI Home Contents only)

Mould or mildew

Not complying with building laws or regulations

Photographs, electronic data and images (AAMI Home Contents only)

Power surge

Radioactivity/nuclear materials

Replacement of water

Revolution, war

Roots of trees, shrubs and plants

Sale of your contents or personal valuables (AAMI Home Contents only)

Sanctions

Seepage of water

Structural improvements of units (AAMI Home Contents only)

Tree lopping

Wear, tear and gradual deterioration

When other people are living in the building or unit

When security or alarms are not working