Damage by an animal

All over Australia, there is a wide variety of creatures, both great and small. Unfortunately, there are instances where these cheeky critters become accidentally trapped inside your home and run amok, causing damage. Here’s more information about when you may be covered with AAMI Home Building and/or Contents Insurance.

What’s covered

You may be covered if your building or contents suffer loss or damage that’s caused by an animal when it either:

• becomes accidentally trapped inside the building or unit, or
• is inside the building or unit, and you or a reasonable person in the circumstances couldn’t have known it was there.

What’s not covered

There are instances when you are not covered, for example, if the damage or loss is caused by:

• any animal owned by you or that you are responsible for
• any animal allowed onto the insured address by you or anyone living at the insured address
• insects, vermin, or rodents (unless covered under ‘Fire (including bushfire)’ or ‘Escape of liquid’).

Other exclusions apply. If you would like to learn more, then you can find this in the Product Disclosure Statement.

Explore the Product Disclosure Statement (PDS)