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ahm Home Insurance

One of Australia’s biggest health funds can now look after your home and contents as well.

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ahm Home Insurance

You may know ahm as one of Australia's biggest private health insurers, but the company also now offers a range of home and contents insurance options. You can choose from three policies — Home Insurance, Contents Insurance and Home and Contents Insurance — and get add-ons such as portable valuable contents cover. ahm's policies are underwritten by Hollard.

We don't currently have this brand on our panel. But don't fret! You can head to the ahm website or compare a bunch of other home insurance companies with Finder.
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Compare home insurance policies below

1 - 7 of 29
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Best Rated Brand
Youi Building and Contents Insurance
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
BonusFinder Award Finalist
Budget Direct Home & Contents Insurance
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year for new combined policies purchased online. This is a big reason it won this year’s Finder Award for value.
Green CompanyBonus
QBE Home & Contents Insurance
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Honey Home & Contents Insurance
Monthly or Annually
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Finder AwardBonus
Australia Post Home & Contents Insurance
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Kogan Home & Contents Insurance
Our verdict: Good comprehensive cover (issued by QBE). Also, get 20% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
BonusFinder Award Finalist
Qantas Home and Contents Insurance
Our verdict: Earn up to 40K Qantas Points for joining by 2 July. Plus save 30% on your 1st year's premium for purchasing a combined policy online. T&Cs apply.

What types of home insurance does ahm offer?

ahm lets you choose from three types of home insurance. Each type of insurance comes with the choice of two different levels of cover: basic cover and comprehensive cover. The latter comes with higher limits and accidental damage cover. The three policies are:

Home Insurance

This covers the physical structures that make up your home, which can include outbuildings and home improvements and fixtures. You'll be insured for events such as fire, theft, storms, malicious damage and accidental glass breakage. It doesn't cover you for the contents of your home.

Contents Insurance

This policy only covers the items and belongings kept at your home, which can include furniture, white goods, electrical appliances, jewellery and the contents in your home office. It can also cover carpets. Some of the main insured events include fire, explosion, theft, flood and food spoilage.

Home and Contents Insurance

This covers both the building and its contents. It can cover you for the repair or rebuilding of your home and the belongings kept at the property up to the sum insured. You'll be insured for events such as fire and theft, storms and malicious damage.

What am I covered for with ahm home insurance?

Here's what you're covered for with each ahm home insurance policy:

Insured eventHome and Contents InsuranceHome InsuranceContents Insurance
Escape of liquid
Fire, explosion or lightning
Malicious damage
Riot, civil commotion or industrial unrest
Accidental glass breakage
Accidental damage
Earthquake, tsunami or volcanic eruption
Storm and rainwater
Portable values cover across AustraliaOptional

What kind of exclusions are there?

Every policy comes with exclusions, though they can vary depending on which cover level you choose. With ahm, you won't be covered for any loss or damage caused by or resulting from:

  • Bushfires, storms, rainwater or floods that occur within the first 72 hours of the start of your policy
  • Your home being unoccupied for longer than 100 consecutive days
  • Actions of the sea
  • Gradual deterioration, such as wear and tear
  • Mould or mildew
  • Inherent defects or structural faults
  • Failure to maintain the property
  • Insects, birds, wildlife or vermin
  • Earth movement not caused by earthquake, including erosion, landslides and mudslides
  • Tree felling
  • Damage to firearms and knives (excluding kitchen knives)
  • Removing any tree stumps
  • Any deliberate action by you or others at the property
  • Any process of cleaning involving the use of chemicals other than domestic household cleaners
  • Corruption to any electronic data
  • The mechanical or electronic failure of an item, unless caused by an insured event
  • A power surge, unless caused by an insured event

ahm home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how ahm (The Hollard Insurance Company Pty Ltd) did:

  • Hollard resolved a high number of complaints directly with its customers compared to some larger insurers like Allianz and Youi.
    • Looking at other larger insurers such as Youi, Hollard has a higher volume of complaints.

    What's the excess like?

    The excess is the amount that you need to contribute towards a claim whenever you make one. With ahm home insurance, you might encounter the following excesses:

    • Basic excess: This will apply to all claims unless ahm tells you otherwise. You may be able to select a higher excess if you want to pay a lower premium, or a lower excess for a higher premium.
    • Earthquake or flood excess: If there's an earthquake or flood, a fixed excess of $500 will apply to each claim you make.
    • Portable valuables excess: There will also be an excess of $100 that applies when you make a claim under the optional portable valuables cover add-on.

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    FAQs about ahm home insurance

Written by

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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