So I went and did the ring around today to a few places. Aami is the most expensive, But they are covering me for a lot more and I do know what their services are like. I did ring up Aami and he did say for me to call when my renewal time is up and we can talk discounts then... I'll suck up the extra I am paying for the security I know that everything is covered.

Aami is covering me for more on my house, and extras - that the others didn't offer.
aami is covering me for my agreed value of my care $5 grand MORE then what any of the others offered.