AAMI Fire and Theft Contents (strata owners)
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Description
Cover summary
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia and New Zealand
Cost
Covered events
- Covers theft and burglary
- Covers theft from fully enclosed private garages
- No cover for theft by residents, someone entering home from common property without signs of forced entry or someone at site with consent
- Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
- 72 hour waiting period for bushfire
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
Contents
- Up to $5000 overall
- Paid on top of sum insured
- Up to $5000
- Covers packing, unpacking and transporting contents to/from storage
- Up to $100 overall
- Cover for insured events
- Up to sum insured overall
- Covers fittings not considered part of the building by state law
- Covered fixtures include lino, floating wooden floors, ducted/split system air conditioners, spas and wall paint/paper (NSW only)
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