A young girl looking at a phone with her dad on the dining table

Contents Insurance Comparison

Looking for a contents insurance comparison? Compare cover and get a quote from New Zealand's Most Trusted General Insurer. Live a little freer with AA Insurance.

Contents calculator

Get a quote Retrieve a quote

Grab a $50 Prezzy® card from NZ’s Most Trusted General Insurer*.

Don’t miss out! Get yours today with every new Home, Car, Contents or Small Business policy. Offer ends 11 November 2020.

Terms & Conditions apply.

Get offer

*As voted by consumers 2011-2020 in the Reader's Digest Trusted Brand survey.

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.

Limited Contents

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.

^*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

Compare cover

Our most popular

Contents

Limited Contents

Get a quote

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.

We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.

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.

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 $2million.

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.

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

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 tertiary educational institution. Cover is subject to the limits shown in the policy document.

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.

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

Optional extras

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.

Pay a reduced $100 excess for claims for eyewear, as long as there is no loss or damage to any other item of contents.

Your mobile phones will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.

N/A Full cover applies

Your laptops and tablets will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.

N/A Full cover applies

Policy document

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.

Contents

Limited Contents

Get a quote

Find out more

Get a quote

Find out more

Compare cover

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.

Contents

Limited Contents

We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.

Contents

Limited Contents

Contents

Limited Contents

We’ll protect your belongings at home and on the road, no matter where you and your contents are in New Zealand.

Contents

Limited Contents

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 $2million.

Contents

Limited Contents

Contents

Limited Contents

Contents

$1000 limit applies

Limited Contents

$500 limit applies

Contents

Limited Contents

Contents

Limited Contents

If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your policy.

Contents

$3,000 adjustable limit

Limited Contents

$2,500 adjustable limit

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.

Contents

Limited Contents

Pay a reduced $100 excess for claims for eyewear, as long as there is no loss or damage to any other item of contents.

Contents

Limited Contents

Your mobile phones will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.

Contents

N/A Full cover applies

Limited Contents

Your laptops and tablets will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.

Contents

N/A Full cover applies

Limited Contents

Policy document

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.

Contents

Get a quote

Find out more

Limited Contents

Get a quote

Find out more

Frequently asked questions

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

View all Contents Insurance FAQs

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten 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.

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

Get a quote