Premier House Cover is a Full Replacement policy that includes great extras.
Full Replacement Cover
With Premier House Cover you can insure your house for Full Replacement, based on its floor area, rather than on a dollar amount. This means you can be sure of restoring your house to an 'as-new' condition using building materials currently in use no matter what the cost.
The age of the house does not affect the amount we will pay to fix it.
Cover if you damage someone else's property
If something happens at your house that means you are legally required to pay for accidental damage to someone else's property we will cover you for up to $1 million worth of damage. This is sometimes called Legal Liability cover.
Earthquake top-up cover
If your house is damaged or destroyed by a natural disaster covered by the Earthquake Commission they will cover up to a certain limit. We will pay the difference between that limit and the amount needed to rebuild or reinstate your house.
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
If you lose your keys, or they are stolen or illegally copied, we will pay up to $250 to replace both the keys and their locks.
Demolition costs
If your house is seriously damaged or destroyed we'll pay for any reasonable demolition costs and to remove debris.
Removal of household contents
We'll also pay to remove your household contents
Path and driveway cover
Cover includes accidental damage to any paths and driveways made of permanent materials, such as pavers, concrete or asphalt.
Optional Cover
Added security for a slightly higher premium.
No excess for glass or sanitary fixtures
You won't have to pay any excess on claims for accidental breakage of windows, toilet bowls, hand basins, baths and other sanitary fixtures.
Lost rent cover
If you have a paying tenant, damage to your rented house can mean lost income. If it is uninhabitable, we will pay you the rent you would have normally received from your tenant for the time your house is being repaired for up to six months.
Generous premium discounts
If you choose a high excess
With AMI's house insurance policies you can choose from a range of excess options. Quite simply, the greater your excess, the lower your premiums.
If you're over 55
If you're over 55, you can benefit from further premium discounts.
Another cover option
An economical way to protect your house, based on its market value, and taking into account wear and tear
Please note that certain conditions apply to the policy features listed above. Full details are set out in our policy documents. Some acceptance criteria may apply.
Get a Premier house policy document
The policy documents on this site are the current versions, for all customers.