Premier contents insurance

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Our Premier contents cover provides you with repair or replacement cover for your major household items under specified age limits. Other possessions are covered for market value.

Repair or Replacement*

for items under 10 years old that are stolen from or damaged at your home:

  • your furniture
  • your TV and stereo
  • your fridge and freezer
  • your microwave oven
  • your electrical home appliances
  • your lawnmower and tools

for items under 5 years old:

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

*If any item covered for Replacement is damaged, we'll pay to repair it to a condition as near as possible to its condition immediately prior to the loss. If an item is stolen and not recovered or damaged beyond repair you'll receive a brand-new replacement item or a cash settlement.

Market value cover for:

  • major household items over 10 years
  • carpets and curtains over 5 years
  • any item damaged or lost away from your home*
  • your jewellery, watches and any unset precious stones (limited to $1,000 per item and $15,000 for all if not specified)
  • your works of art (limited to $2,000 per item if not specified)
  • your light fittings
  • your clothing, footwear and household linen
  • your cameras and their accessories (limited to $2,000 in total)
  • your bicycles
  • your computer software
  • your crockery, cutlery and kitchen utensils
  • your canoes and small watercraft worth up to $500
  • all other household belongings

    (limits may apply)

*Spectacles, dentures or hearing aids lost or damaged while away from the home are covered for replacement provided they are under 5 years old

Download the 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.

Use our contents sum insured calculator.

Download the Premier contents policy document

This gives only a brief summary of the AMI Premier contents cover. Please refer to the policy wording for full details.

Premier contents policy document

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What is covered?

This information is intended as a guide only. Please Download the Premier contents policy document for more information and to see the policy wording.

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.

Generous premium discounts

if 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.