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Contents Insurance

Whether your home is full of gadgets, trinkets or even turn of the century furniture, we’ve got you and your treasured belongings covered with our Contents insurance.

Most trusted brand and canstar awards

Contents Insurance Policy Benefits:

New for old

If something you own is stolen, lost or damaged beyond repair we may replace your item with a new one or with the nearest available equivalent. We may also choose to pay market value for any claim.

While most items will be covered by new for old cover, certain items such as clothing, footwear and cosmetics won’t be included. For full details, exclusions and limitations please read our policy document.

Moving your contents

We will pay the reasonable cost of moving your contents to temporary accommodation, and/or a professional storage facility if your home becomes uninhabitable as a result of an event covered by your policy, and your contents are at risk of loss or damage.

Legal liability cover

If you are liable for accidental damage to someone else’s property – for instance, if you accidentally break a vase in a store – we’ll protect you against any claim they make, up to $2 million.

And, if you cause accidental bodily injury to another person, we'll pay up to $250,000 towards any reparation order made against you to top up the ACC payments made for the losses that person suffers.

Contents in storage

We’ll provide limited cover for your contents while they are kept in a professional storage facility for up to 12 months.

Simplified cover for specified items

Simply add up all the pieces you want to include and tell us the total amount in each category (eg jewellery).

Automatic cover for most collections

Coins, cards, stamps and medals are the only types of collections that you need to tell us about. And if you already have another collection insured with us, it’s automatically covered too.

Natural Disaster cover

If the unexpected happens and your contents are damaged by a natural event, we’ll top up the cover provided by the EQC so your contents are insured up to the Sum Insured.

Additional benefits

Optional extras

Excess-Free Hearing Aid Cover

Just call us if you’d like to add this cover to your policy, for a small additional cost.

$100 Excess on Eyewear

You can choose to have your excess reduced to $100 if you need to claim on your spectacles, sunglasses or contact lenses. Just call us if you’d like to add this cover to your policy, for a small additional cost.

Ready to get started?

Getting a quote only takes 5-10 minutes.

This is only a summary of key benefits. For full details, exclusions and limitations please read your policy document.

Application for cover is subject to underwriting acceptance. Limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. For full policy and benefit terms and conditions please go to

Contents Calculator

This is a guide to help you calculate the value of your home contents. You can also download our A4 version to print and complete in your own time.

Use our Contents Calculator

Latest Policy Document

Want to know more about our Contents insurance? Read the full policy document online. 

View Policy Document

Frequently asked questions

If you can't find the answer you're looking for, please contact us.

Contents insurance for beginners

Price is often a motivating factor for choosing contents insurance, but the cheapest may not be the best for your circumstances.

Read more

Renovating's a great idea but what about your contents?

You’ve made a start on the reno, and have just added up the cost of all those big ticket items you’ve installed. Now you’re wondering how to protect them while the work is still underway.

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Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for eight years running. Earning your trust is one thing. But keeping it is everything.

Our awards

We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

Contact us

Easy, stress-free claims

One of our Customer Managers will guide you through the entire process. They'll keep you fully informed, making sure things stay on track and hassle-free.

Making a claim with us