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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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Gary Hunter
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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.

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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
Flood
Malicious damage
Riot, civil commotion or industrial unrest
Accidental glass breakage
Impact
Accidental damage
Earthquake, tsunami or volcanic eruption
Storm and rainwater
Theft
Portable values cover across AustraliaOptional
Optional

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

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.

How do I make a claim?

If your home or contents are damaged or destroyed, take all reasonable steps to prevent any further loss or damage from occurring. You should report any incidents involving theft or malicious damage to the police.

After this, contact your insurer to let them know what's happened as soon as possible. You should be able to make your claim online. You can email ahm at carandhome@ahm.com.au or call 1300 518 049 for more information.

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