ahm Home Insurance
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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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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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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.
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Bendigo Bank Gold Home & Contents Insurance
Our verdict: A good option if you want a well regarded brand. All come with automatic flood cover and let you pay monthly or fortnightly at no extra cost.
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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.
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Honey Home & Contents Insurance
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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.
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 22% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. 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.

    Why you can trust Finder's home insurance experts


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    Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    FAQs about ahm home insurance

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