Our popular replacement cover Premier Contents Cover provides you with replacement cover for all your major household items under specified age limits. Other possessions are covered for market value.

Replacement cover for items under ten years old:

  • your furniture
  • your TV, stereo and video
  • your fridge and freezer
  • your microwave oven
  • your electrical appliances
  • your crockery, cutlery and kitchen utensils
  • your desktop computer hardware
  • your lawnmower and tools

Replacement cover for items under five years old:

  • your carpets
  • your curtains
  • your spectacles, dentures and hearing aids

Market Value cover for:

  • major household items over ten years
  • carpets and curtains over five years
  • your jewellery (limited to $1,000 per item if not specified)
  • your works of art (limited to $2,000 per item if not specified)
  • your light fittings
  • your clothing and footwear
  • your household linen
  • your bicycles
  • your portable computers
  • your computer software
  • all other belongings

Earthquake top-up cover

If your household contents are damaged or destroyed by a natural disaster covered by the Earthquake Commission they will cover you up to a certain limit. We will pay the difference between that limit and the amount your household contents are insured for.

Cover if you damage someone else's property

If you accidentally damage someone else's property (for example, if you accidentally drop a vase in an antique shop) we will pay any costs you are legally required to pay, up to a value of $1 million. (This is sometimes called Legal Liability or Third Party cover.)

Cover for business equipment

Up to $1,500 worth of cover for a range home business equipment, including cell phones, fax machines and your PC.

Cover for canoes and small watercraft

Cover for small watercraft such as children's canoes, inflatable dinghies and surf skis worth up to $500.

Temporary accommodation costs

If the house you live in is damaged or destroyed, we will pay for temporary accommodation for you, your family and your pets while your house is uninhabitable for up to six months (or up to 25% of your sum insured).

Pay only one excess

If you have both your house and your contents insured with AMI, and both are damaged due to the same event (eg. if there's a fire) you will only have to pay one excess.

Great Extras

Key and lock cover

Up to $250 worth of cover to replace lost keys and their locks if you don't have this cover under your house policy. No excess will apply.

Credit card, debit card and cash cover

If your credit or debit card is lost or stolen, we will reimburse you for any illegal use, up to a maximum of $1,000. (As long as you cannot recover the loss from anyone else, for example your bank). You also have cover for lost or stolen cash, up to $250.

If any of the household items covered under Full Replacement or Replacement cover are damaged, we'll pay to repair them to an 'as new' condition. If they are stolen or damaged beyond repair you'll receive brand new replacement items or a cash settlement.

Generous premium discounts if:

  • you have a professionally installed, hard-wired burglar alarm
  • you choose a higher excess
  • you're over 55

Just ask and we'll show you how much you could save.

 

Other cover options

Advanced Contents Cover

Our highest level of cover.

 

Standard Contents Cover

An economical option that insures your possessions against major loss

 

Get a Premier Contents policy document

The policy documents on this site are the current versions, for all customers.