Advanced contents insurance Get a quote and buy Advanced contents cover today.

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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 and floor coverings that are not glued to the floor, and under 10 years old
  • Your curtains
  • Your spectacles, dentures and hearing aids
  • Your jewellery or watch (limited to $3,000 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 and floor coverings that are not glued to the floor, and over 10 years old

Calculate your contents sum insured

The calculator combines your address and the information you tell it about the key features of your household with values supplied by Sum Insured Pty to produce a suggested replacement cost for your contents. The calculator provides an estimate sum insured for your contents but the final decision is yours, so if you think your amount is incorrect, you can change it.

Use our contents sum insured calculator.

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?

Optional cover

Get a quote and buy online

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 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.

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.