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Contents Insurance
Contents Insurance Comparison
Choose the best contents insurance cover to suit your needs. Get a quote and compare our Comprehensive & Limited Contents options to find out which one is right for you.
Contents Calculator
Independently provided by Sum Insured
Important
This is an independent tool provided by the company ‘Sum Insured Pty Ltd’ and the estimate produced is not shared with AA Insurance. The calculator does not constitute financial advice and you must make your own decision on the sum insured for your contents insurance that is appropriate for your own personal circumstances.
If you are flatting, you only need to include the value of your own personal items, not property owned by your flatmates.
You can still use the calculator by adjusting your responses to only select the rooms your belongings are in (for example, your bedroom) and the items you personally own.
If you want to calculate your sum insured for Landlord contents, please refer to the policy document as there is limited cover in this instance.
Launch Contents Calculator
(Independently provided by Sum Insured)
Voted Most Trusted General Insurer by New Zealanders for 16 years running
Compare cover
Accidental damage
Contents
Limited Contents
Cover for burglary, fire, storm, flood and natural hazard
Contents
Limited Contents
Legal liability
Contents
Limited Contents
Temporary accommodation
Contents
Limited Contents
Like-for-like replacement
Contents
Limited Contents
Business tools & professional equipment
Contents
$3,000 adjustable limit
Limited Contents
$2,500 adjustable limit
Excess-free spoiled food
Contents
$1,000 limit applies
Limited Contents
$500 limit applies
New Zealand wide cover
Contents
Limited Contents
For loss or damage from burglary, fire, storm, flood or natural hazard only, except for items you choose an optional extra for.
Family members in a rest home
Contents
Limited Contents
Children at boarding school or in tertiary education
Contents
Limited Contents
Optional extra: Excess-free hearing aid cover
Contents
Optional extra
Limited Contents
$100 excess on eyewear
Contents
Optional extra
Limited Contents
Accidental damage to mobile phones
Contents
Limited Contents
Optional extra
Accidental damage to laptops & tablets
Contents
Limited Contents
Optional extra
One event, one excess
Contents
Limited Contents
At a glance
Two levels of cover
Choose the cover to suit your needs:
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 hazard with the option to upgrade your cover on mobile phones and laptops to include theft and accidental damage and loss.
Like for like
Get like for like replacement cover for your contents and valuables at claim time.
Legal liability
If you accidentally damage someone else's property we'll cover you for up to $2 million if you were legally liable.
Helping you save
AA Member Discount
One event, one excess
Lower your premiums with higher excesses
More reasons to choose us
Buy, manage, and claim online
New Zealand call centre
Personal Claim Manager
24/7 claims support
Cancel your policy any time
Be mindful of
48 hour stand down period
Event limits
Choosing your excess
Sum insured
Check if you have enough cover for your contents with this contents calculator.
This page contains a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply to these policies. Please read the policy document for full details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
Hear it from our customers
"Always very good to deal with"
AA are always very good to deal with. I've never had any complaints.
Elizabeth - March 2026
10/10
overall satisfaction
"Claim process was straight forward"
The whole claim process was straight forward and all AA staff provided excellent prompt service.
John - April 2026
10/10
overall satisfaction
"Knowledgeable, polite and helpful"
Always a pleasure to deal with AA, they are knowledgeable, polite and helpful which is why I always recommend my friends to AA.
John - January 2026
10/10
overall satisfaction
"Exceeds all my expectations"
Every time I have been in contact with AA I have wonderful service from your staff and exceeds all my expectations.
Genevieve - January 2026
9/10
overall satisfaction
In the first half of 2026, we received 973 feedback survey responses from Contents Insurance customers after their claim was paid. They gave us an average score of 9.00 out of 10 for overall satisfaction with their claims experience. Here's a selection of feedback from customers who gave us permission to share their comments.
Customer testimonial
Sharnye's story
Sharnye opens up about the devastating fire that damaged her belongings and how we helped guide her and make her feel supported during an uncertain time.
In this 4‑part series, Sharnye shares a few key things she learned about contents insurance after this experience.
FAQs
Does my contents insurance cover my items outside of my home?
Yes, your contents insurance covers your contents anywhere within New Zealand. Read More
Is my partner covered under my contents policy?
Yes, if your partner lives with you, your Contents Insurance will cover their belongings. Read More
Does my contents insurance policy cover broken screens, such as mobile phone, laptop or tablet screen?
Yes - if you have our Contents Insurance policy, there is cover for theft and accidental damage to your belongings, including mobile phones and electronics.
If you have our Limited Contents Insurance policy, you can purchase optional benefits to extend your cover to include accidental loss, theft, and accidental damage. Read More
Are my belongings covered if they're stolen from my car?
Yes - our contents insurance policies cover you if your belongings are stolen from your car in a burglary. Read More
Policy documents
Contents Insurance
Limited Contents Insurance
Additional documents
Looking for your Certificate of Currency or policy schedule? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.
Making a claim
If you have been in an accident
First, make sure that everyone is safe and out of danger - call an ambulance, the police or other emergency services departments if necessary.
What to do at claim time
Make sure your home is safe and secure
If your home has been damaged, make sure everyone involved is safe and, if you need to, call emergency services. For example, if there has been a theft, burglary or vandalism, or an attempt at these, call the police immediately. Once it's safe to do so, you should make sure your home is secure.
Submit a claim
Report your claim online, and one of our Customer Managers will get in within two working days, if not sooner. This may take longer for claims made over the weekend, on a public holiday, or during a high-demand weather event. Or call us on 0800 500 216 if your situation is urgent. It will take about 15 minutes to lodge your claim. Let us know if your home is no longer safe or secure.
We'll get you sorted
A Customer Manager will keep you fully informed about your claim's progress. They will process your claim as quickly as possible, so that you can get back to normal.
Things to keep in mind
Securing and maintaining your contents
You must, at your cost and expense, maintain your contents in good repair, secure your contents, and take all reasonable precautions to prevent loss occurring.
Proof of purchase
If you need to make a claim on your contents, 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.
Wear and tear
As our policies are designed to cover sudden and unforeseen damage, we don't cover loss that occurs over time, such as wear and tear.
Related articles
Contents insurance for beginners
Contents insurance is a great way to protect yourself and your property against the unexpected. Here's a breakdown of its benefits, how it works and the things you should consider before choosing your cover.
Understanding your sum insured
It's important to understand what ‘sum insured’ means in the context of insurance. Correctly estimating your sum insured and reviewing it regularly will help ensure you have enough cover for your needs. Here's some useful information on the subject.
Choosing between a Comprehensive or Limited Contents Insurance Policy
Learn more about the difference between our two contents insurance policies with real life examples to show you what they cover, and which one may be right for you.
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for sixteen years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.
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.
Financial strength rating
AA Insurance Ltd has an AA- (Very Strong) Insurer Financial Strength Rating given by S&P Global Ratings. This rating expresses their opinion about the ability and willingness of a company to meet its financial obligations in full and on time.