Our highest level of protection provides Full Repair or Replacement cover for almost any household item regardless of age. Other possessions are covered for market value.
Live in an apartment?
If you live in an apartment with 3 stories or more, you can get up to 10% off your contents policy.* Whether you have a little or a lot of stuff, AMI Advanced Contents insurance will cover it both inside and outside of your place. The discount is applied when you let us know you live in an apartment by either selecting online or over the phone.
*Discount applies to the base premium amount and does not apply to optional extras or government levies and taxes.
Repair or Replacement cover for:
- 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 carpets under 10 years old
- Your curtains
- Your spectacles, dentures and hearing aids
- Your jewellery (limited to $1,000 per item if not specified)
- Your light fittings
- Your works of art (limited to $2,000 per item if not specified)
- Your cosmetics and toiletries
- Your lawnmower and tools
- Your canoes and small watercraft worth up to $500
Market Value cover for:
- Your clothing and footwear
- Your household linen
- Your bicycles (unless you have Bike cover)
- Your sports and camping equipment
- Your computer software
- Your carpets over 10 years old
Download our contents insurance checklist
It will help make it easy for you to check your cover. Take a walk around your house and fill it in, then calculate what it could cost to replace your belongings.
Download the contents insurance checklist.
This gives only a brief summary of the AMI Advanced contents cover. Please refer to the policy wording for full details.
Download the Advanced contents policy document.
What is covered?
- 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.
- Damage to 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).
- Business equipment
- Up to $1,500 worth of cover for a range of home business equipment, including cell phones, fax machines and your PC.
- Canoes and small watercraft
- Cover for small watercraft such as children's canoes, inflatable dinghies and surf skis worth up to $500.
If you have a small watercraft valued more than $500, contact us to arrange cover.
- 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 12 months (or up to 25% of your sum insured).
- Storage after loss
- If the house you live in is damaged or destroyed we will pay up to $2000 to store your household contents while your house is uninhabitable.
- 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.
- Matching carpet cover
- If you have a spill or accident on your carpet and we can’t repair it or find a replacement that matches the rest of your house, our Matching carpet cover will replace all the carpets. If the same thing happens to your curtains or blinds, we’ll replace those too. It’s available on all Advanced contents cover policies for just $80 extra.
- Bike cover
- If you crash your bike whilst riding or racing^, or it’s stolen from a secure building or car, you’ll get replacement value.
^Cover for racing only applies to recreational riders. AMI Bike cover does not extend to customers who are sponsored or receiving a financial benefit for participating.
Optional cover
This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Advanced contents insurance policy (PDF).
Great Extras
Key and lock cover
Up to $500 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. You also have cover for lost or stolen cash, up to $250.
Generous premium discounts
When you choose a higher excess.
Just ask us and we'll show you how much you could save.
*As long as you cannot recover the loss from anyone else, e.g. your bank.