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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.
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:
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.
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.
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.
Here's what you're covered for with each ahm home insurance policy:
Insured event | Home and Contents Insurance | Home Insurance | Contents 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 Australia | Optional | Optional |
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:
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:
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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