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AAMI Fire and Theft Contents Insurance can cover a renter’s belongings inside the insured building or unit when they are damaged by fire, including bushfire, or stolen in a covered theft or burglary. It is not building insurance, and it is not broad all-events contents cover: AAMI states a maximum contents payment of $25,000 for any one incident unless the policy says otherwise, while several common causes of damage are excluded.
Whether it suits you depends on what you own, where you keep it, and whether you can accept the policy’s narrow list of covered events. Check the Certificate of Insurance and the Product Disclosure Statement (PDS) that applies to your policy before relying on any limit or exclusion.
What does AAMI Fire and Theft Contents Insurance cover?
The policy is designed for renters and owner-occupiers seeking limited contents cover. It applies to insured contents inside the insured building or unit at the insured address, for specified fire and theft or burglary losses. It does not insure the building itself. AAMI’s renters insurance page describes the product and its central covered events; the applicable PDS sets out the contract terms.
- Fire: Fire damage is covered, including bushfire, subject to the policy wording and exclusions.
- Theft or burglary: Cover applies only where the circumstances meet the policy’s terms. Theft caused by the policyholder, someone who lives at the insured address, or someone who enters with consent or authority is excluded in the Key Facts Sheet.
- Contents at the insured address: The policy summary describes cover for contents inside the insured building or unit. Do not assume belongings are covered while away from home unless your policy wording says so.
The AAMI policy documents page identifies the PDS applicable to new business and renewals commencing on or after 24 January 2025. If your policy began or renewed on a different date, check the documents supplied with it rather than assuming that version applies.
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What are the limits and liability cover?
AAMI states that the most payable for contents loss or damage from any one incident is $25,000, unless the policy says otherwise. This is a per-incident maximum, not a promise that every claim will be paid up to that amount. The insured amount, policy conditions, exclusions and claims settlement terms still matter. Confirm the figure and any terms shown on your Certificate of Insurance.
The renters page advertises up to $20 million in legal liability cover. AAMI’s policy summary describes this as the maximum for all claims arising from one incident, including associated legal costs. The applicable policy wording governs whether liability cover responds to a particular claim.
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AAMI’s product summary also mentions up to $5,000 for reasonable and necessary costs to dispose of damaged contents. Because the summary does not establish how this sublimit applies under every policy version, check the applicable PDS before treating it as a decision-critical benefit.
What does the policy exclude?
AAMI’s Key Facts Sheet lists several causes of loss or damage that are not covered by this product. It is a guide to key features, not a replacement for the PDS and your policy documents.
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- Flood and storm
- Accidental breakage
- Earthquake and lightning
- Actions of the sea
- Malicious damage
- Fire damage from arcing, scorching, melting or cigarette burns, unless a fire spreads from the initial burn spot
Theft exclusions also matter in shared or frequently visited homes: the facts sheet excludes loss or damage caused by the policyholder, a person who lives at the insured address, or someone entering with the policyholder’s consent or authority. Read the full wording for the definitions and any other conditions relevant to your circumstances.
How should renters decide if this cover is enough?
Start by listing what you would need to replace after a serious loss, then compare that replacement value with the policy’s contents limit. Consider not only furniture and electronics, but also clothing, kitchen items and other belongings. AAMI offers a contents calculator to help estimate the value of belongings; use it as an estimate, and check how your policy defines insured contents.
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Then compare this limited product with broader contents insurance. AAMI’s Contents Insurance information is a starting point for understanding its broader option. Compare the actual terms rather than assuming that any policy described as broader covers every event or item.
| Decision point | What to verify |
|---|---|
| Covered events | This policy centres on fire and theft or burglary. Compare whether an alternative covers events such as storm or flood, and check its exclusions and any waiting periods. |
| Contents limit and sublimits | Check the total sum insured, the per-incident limit, and any category-specific limits that could affect valuable belongings. |
| Where belongings are covered | The summary describes cover inside the insured building or unit. Confirm whether an alternative extends cover away from home. |
| Excess and premium | Both depend on the quote and policy terms. Compare the excess you would pay on a claim with the premium, using quotes based on the same details. |
| Liability and claims terms | Check the liability limit, what circumstances trigger cover, and how claims are assessed and settled. |
| Household arrangement | AAMI says renters in a share house cannot insure only the belongings in one room through its policy. Confirm who and what are insured at the address. |
AAMI’s renter guidance says renters generally need to insure their own belongings. If you share a home, establish whose belongings are included and how the policy treats other residents before purchasing.
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Which policy documents should you check?
- Find your Certificate of Insurance. Confirm the insured address, insured contents, limits, excess and policy dates shown for your cover.
- Open the PDS that applies to your policy. AAMI’s policy documents page lists the version for new business and renewals commencing on or after 24 January 2025; use your own policy documents to confirm the correct version.
- Use the Key Facts Sheet as a quick guide. Check the event summaries, then read the PDS for definitions, conditions and exclusions that apply to your situation.
- Check the current terms before renewing or changing cover. AAMI’s update page says the revised wording includes changes to exclusions and removal of the lifetime guarantee on authorised repairs. Compare the applicable wording rather than relying on an older summary.
Policy wording, prices, excesses, discounts and eligibility can change. AAMI’s policy updates page describes changes to wording, but your Certificate of Insurance and applicable PDS are the documents to use for a specific decision.
Quick Recap
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