Contents Insurance Comparison
Let our two levels of Contents Insurance work their magic. Get a quote and compare our Comprehensive & Limited Contents options to find out which one is right for you.
Voted Most Trusted General Insurer* by NZers for 12 years running
Two levels of cover
Keep yourself fully protected with our most comprehensive cover. We’ll cover your contents if they are lost or damaged by a sudden, unforeseen and accidental event.
Basic cover to protect your contents against burglary, fire, storm, flood or natural disaster with the option to upgrade your cover on mobile phones and laptops to include theft and accidental damage and loss.
We will cover sudden, unforeseen and accidental loss or damage to your contents in an event other than burglary, fire, storm, flood, or natural disaster.
Cover for burglary, fire, storm, flood or natural disaster
We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.
New for old
If something you own is stolen in a burglary or damaged beyond repair - we'll replace your item with a new one or with the nearest available equivalent. While most items will be covered by new for old cover, certain items such as clothing, footwear and cosmetics, or those items which don’t have an equivalent replacement item available, will be settled at the market value.
New Zealand wide cover
We’ll protect your belongings at home and on the road, no matter where you and your contents are in New Zealand.
For loss or damage from burglary, fire, storm or natural disaster only, except for items you choose an optional benefit for.
If you accidentally damage someone else's property, such as breaking a vase in a store - we'll cover you for any claim they make, up to $2 million.
We’ll cover reasonable alternative accommodation for you, your family and your domestic pets if your home becomes uninhabitable as a result of an event covered by your policy. For renters, cover is limited to the increase in rent for up to four weeks. For owner occupied homes, cover is limited to $20,000 or a maximum of 12 months, whichever occurs first.
Excess-free spoiled food
We’ll pay up to the benefit limit where food is spoiled due to your fridge/ freezer breaking down, or if your power supply is accidentally interrupted. You won’t even need to pay your excess if there is no other loss or damage.
$1000 limit applies
$500 limit applies
Children at boarding school or in tertiary education
We will extend cover for contents in your children’s or dependant’s possession while they are temporarily living away from your home, in accommodation provided by a primary, secondary or tertiary educational institution.
Family members in a rest home
We will extend cover for contents in your or a family member’s possession while residing away from your home at a rest home or professional care facility. The most we will pay is $10,000 per person for any one event.
Business tools & professional equipment
If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your policy.
$3,000 adjustable limit
$2,500 adjustable limit
Excess-free hearing aid cover
You don’t have to pay an excess for claims for loss to your hearing aids, as long as there is no loss or damage to any other item of contents.
$100 Excess on eyewear
Pay a reduced $100 excess for claims for eyewear, as long as there is no loss or damage to any other item of contents.
Mobile phone cover
Your mobile phones will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.
N/A Full cover applies
Laptop and tablet cover
Your laptops and tablets will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.
N/A Full cover applies
This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
Frequently asked questions
If you can't find the answer you're looking for, please contact us.
Are my contents covered while in storage?
Our Contents Insurance Policy will cover your contents while they are kept in a professional storage facility. Cover for your contents in storage is limited to loss caused by:
- fire, explosion or lightning,
- storm or flood,
- burglary by forced entry,
- deliberate damage or vandalism,
- a water or oil leak from a tank, pipe, water or heating system,
- a frozen tank, pipe, water or heating system,
- impact by vehicle, aircraft, falling trees or branches.
Our Limited Contents Insurance policy will cover your contents while they are kept in a professional storage facility. Cover for your contents in storage will be limited to loss caused by burglary, fire, storm, flood and natural disaster only.
If your contents are kept in storage but not in a professional storage facility, please contact us to discuss your cover.
Does my contents insurance policy cover broken screens (such as mobile phone, laptop or tablet screen)?
If you have our Contents Insurance Policy, there is cover for damage, theft and accidental damage to your belongings. This includes your mobile phone and other electronics. If you have damaged an electronic gadget, you can start your claim online here or by calling us on 0800 500 216.
If you have our Limited Contents Insurance Policy, cover for accidental loss, theft and accidental damage is not automatically included. However, you can purchase the optional benefits ‘Mobile Phone Cover’ and/or ‘Laptop and Tablet Cover’ which will extend your cover to include accidental loss, theft, and accidental damage (for example, if you crack your phone screen) for these items.
Do I need to list all the expensive items I own individually on my contents policy?
You don't need to list items individually, but you might need to tell us the total combined value for things like jewellery, cameras, bicycles, works of art or business tools. This will help us determine whether you need to increase any adjustable event limits on your policy.
Limits which have been adjusted will be shown on your policy schedule and if you have not increased the adjustable event limits on your policy, the maximum amount you can be paid out will be determined by the policy limits outlined in your policy document.
What does my contents insurance cover?
Our contents insurance policies cover belongings kept in or around your home that are owned by you or your family. They also cover contents that you or family members living with you are responsible for, such as hired goods or medical equipment supplied by hospitals.
For a comprehensive list of what our policies do and don't cover, please see our contents insurance policy documents page.
What happens to my contents insurance if I go on holiday?
If you are going on holiday in New Zealand, the contents you take with you will still be covered.
If you will be away from your home for less than 60 days, the contents at your address are still covered. If you are away from home for more than 60 days, a long-term unoccupied excess will apply from day 61 of your home being empty.
Contents you take overseas with you are not covered, however AA Travel Insurance can be purchased here.
Do I need receipts or valuations for all of my contents?
If you need to make a claim, receipts and valuations are a good way to show what you are claiming on. If you don't have a receipt of valuation, you can also use photos, financial statements or records kept by the shop where you purchased the item.
*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards