HOME BUILDING INSURANCE POLICY - AAMI

What we cover – the building
What do we cover
as the building
The building is the
dwelling and other
structures at the site
used for domestic or
residential purposes.
See below for what the
building includes.
This policy also covers ‘other costs’ (page 19), ‘additional benefits’ (page 20),
and ‘your legal liability’ (page 24).
The building includes:
outbuildings and permanent structural improvements,
fixtures and fittings that:
What is it
covered against
Damage or loss caused
by the insured events
listed on pages 8 - 13.
are permanently attached to the home building or the site,
are stored at the site in a building capable of being locked
while awaiting installation.
that part of the building used for performing office work,
How much is
it covered for
The cost of repairing or
rebuilding it with new
materials to the same
size and standard as
your current home.
services, whether above or below ground, that are your property or
for which you are liable,
any jetty at your site owned by you and used only for domestic purposes.
The building excludes:
fixed wall and floor coverings such as carpets, internal blinds, drapes,
and curtains,
any part of the home building or the site used for conducting a business,
trade, professional services, or farming of any description,
any part of the building or other structures at the site that cannot be
locked because that building or structure or part of it is being altered,
renovated or rebuilt,
a temporary building or structure or a building or structure in the course
of construction,
houseboats, watercraft, caravans, mobile buildings (fixed or
free-standing), motorised vehicles of any type and the parts and
accessories of any of these items,
the loose surfaces of tennis courts, driveways and paths,
hedges (whether or not they form a fence), lawns, trees, shrubs, plants,
flowers, garden beds or any other living material.
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