Updated 5 May 2017

AA Insurance

Home Insurance and Contents Insurance

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Key data

Policy

Underwriter
AA Insurance
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Full replacement for events other than natural disasters

Excesses

Standard excess - house
$400
Standard excess - contents
$300

Main cover - house

Personal liability - house policy
Up to $2 million
Temporary accommodation
Up to $20,000 over 12 months; includes pets
Recreational features
Yes
Retaining walls
Up to $50,000

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $2000 if caused by leaking or overflowing water pipe or cylinder
Keys and locks
Yes (excess applies)
Landscaping
No
Post-event inflation protection
No
Reduced excess for glass or sanitary fixtures
Optional excess-free cover (glass only)

Main cover - contents

Personal liability - contents policy
Up to $2 million
Temporary accommodation for homeowners following loss
Up to $20,000 over 12 months; includes pets
Temporary accommodation for tenants following loss
Difference between old and new rent for up to 1 month; includes pets
Removal, return and storage of contents following loss
Reasonable costs

Specific items

Bicycles
Replacement value up to $5000 total per event
Books
Replacement value
Cameras and accessories
Replacement value up to $5000 total per event
Carpets and floor coverings - unfixed
Replacement value
Clothing and footwear
Present value
Collections (eg stamps)
Up to $5000 per coin, stamp, card or medal collection
Computers and computer software
Replacement value for computers and software
Credit card cover
No
Jewellery and watches
Replacement value up to $5000 total per event
Mobile phones
Replacement value
Money
Up to $500
Motor vehicle parts and accessories
Replacement value provided parts aren't in or attached to your car
Sporting equipment
Replacement value
Works of art
Replacement value up to $10,000 total per event

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $2000 if caused by leaking or overflowing water pipe or cylinder
Home office and professional equipment
Up to $1000 for business tools used at home or outside home
Keys and locks
No
Moving contents to a new address
Defined events while moving to new address

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