Table of Content
Up to $20 million legal liability cover can help you take care of legal and other costs if a visitor suffers injury, death or property damage at your home. You’ll be able to get cover for damage to your property, public and products liability, theft, damage to glass, and more. You can also get Back in Business cover, which can help to compensate for a reduction to your business revenue following an insured event. A home building calculator and contents calculator can help you choose the right figure. Covers you for physical loss or damage to your property (ie. your business contents, stock or specified items at the premises) from insured events such as fire, lightning and explosion. This Optional Cover gives you peace of mind that if your building is damaged or destroyed by an insured event, we'll repair or rebuild your house as it was, or pay you the amount of the assessed quote to repair or rebuild it.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product. If you own a property that shares walls or property, such as an apartment or townhouse, you can consider Strata Insurance. Strata Insurance provides cover for damage caused by insured events to buildings with shared property, as well as shared areas like driveways and stairways.
Insured Events
While specifying a lower sum insured may save you a few bucks on your premium, it could leave you out of pocket if you ever need to make a claim. Please note that the calculator is intended as a guide only and not intended to be relied on for the purpose of making a decision in relation to purchasing our products. The calculator might include questions that you may not see in other calculators. Consider whether you need a professional valuation from an architect, builder or other valuation expert. To help you estimate the rebuild cost of your home and new for old replacement cost of your contents you can use the Building Calculatorand Contents Calculator. If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.
Extra cover for mobile phones, laptops, bicycles, handbags and a range of other items that you're likely to take outside your home. This is included as standard with AAMI Home Insurance policies.
Contents Insurance
Whether it’s a shower screen, window, fixed mirror or skylight, it can be expensive and time consuming to sort out. Offers cover for contents shared between multiples strata properties, such as washing machines, gardening equipment and shared gym equipment that doesn't belong to a unit owner or tenant, covered up to a chosen Sum Insured. The more info you can enter into the calculator, and the more accurate that info is, the more accurate your estimate will be. Building and material costs can fluctuate, and there are unique features of every home that can influence how much it will cost to rebuild.
Just pop in your address, and the home building calculator will retrieve info about your home — saving you time. Of course, you need to review the info and adjust it if necessary. Once you’re happy with it, the calculator will give you an estimated rebuild cost, and the option of downloading a report. Because it is not easy to keep track of the value of your home contents, we have developed this simple calculator to help you estimate the cost of replacing the items in your home. By providing general information about your rental property the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish.
What is Home and Contents Insurance?
Compulsory Third Party Insurance and Motor Accident Injuries Insurance policies are not eligible for a discount, but will count as an eligible first policy, enabling you to receive the discount on a second eligible policy. You have 21 days from when your policy begins to change your mind. If you choose to return your policy within this period and haven’t made a claim, you can get a full refund . If you've taken out a home loan to purchase your property, your provider may insist on adequate home insurance as a condition of the loan. If you're in this situation, you should check any requirements with your lender. Both AAMI Home Insurance and AAMI Contents Insurance — and, of course, our great value combined Home and Contents Insurance — include cover for damage caused by floods.
If you decide to apply for a product you will be dealing directly with that provider and not with Mozo. Mozo recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. Target Market Determinations can be found on the provider's website. For more information please see Mozo's FSG, General advice disclaimer or Terms of use.
Please read the relevant Product Disclosure Statement before you make any decision regarding this product. Having a sum insured that isn’t quite enough to cover the cost of rebuilding your home means you may be out of pocket if you ever need to rebuild. You would either have to settle for building a home that doesn’t have the same features or quality as your previous home, or spend additional money of your own on top of what we pay you to cover the gap. Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge.
If you own the property from which your business operates, you can consider an AAMI Business Insurance package. We offer a range of customisable options that let you put together a policy that suits the needs of your business. This provides cover for loss of, or damage to, glass windows, signs and showcases at your business premises. If you’re a property owner and you lease your commercial premises to businesses, we can help you stay covered. Extra cover to protect you against the costs of unpaid rent, theft or malicious damage by your tenant and their guests.
Only those contents which are owned by the landlord but kept within the property are covered. Covers you for the loss of your business contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault. AAMI Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had AAMI Home Assist on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP.
Buildings covered include your home, along with garages and sheds. This suggested sum insured for your home contents is an indication only and in no way guarantees this as being the amount we may need to insure your home contents for. It is your responsibility to check that this amount is enough to cover the replacement cost of your home contents at today's prices. We cover the loss or damage caused by an explosion but we don’t cover the cost of replacing or repairing the tank or container that exploded.
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