Sum Insured is the maximum amount we’ll pay for the rebuild of your home unless we choose to settle your claim under Replacement Cover. It includes any features like swimming pools, fences, sheds and paving. You can discuss the value with us at any time. By paying your premium, you have accepted the Sum Insured.
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- Contents Insurance
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 10 years running
Voted Most Trusted General Insurer* by NZers for 10 years running
Two levels of cover
Contents
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
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.
Included
Included
We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.
Included
Included
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.
Included
Included
We’ll protect your belongings at home and on the road, no matter where you and your contents are in New Zealand.
Included
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.
Included
Included
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.
Included
Included
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.
Included
Included
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.
Included
Included
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.
Included
Included
Pay a reduced $100 excess for claims for eyewear, as long as there is no loss or damage to any other item of contents.
Included
Included
Your mobile phones will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.
N/A Full cover applies
Included
Your laptops and tablets will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.
N/A Full cover applies
Included
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.
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
Included
Limited Contents
Included
We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.
Contents
Included
Limited Contents
Included
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.
Contents
Included
Limited Contents
Included
We’ll protect your belongings at home and on the road, no matter where you and your contents are in New Zealand.
Contents
Included
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
Included
Limited Contents
Included
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.
Contents
Included
Limited Contents
Included
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.
Contents
$1000 limit applies
Limited Contents
$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.
Contents
Included
Limited Contents
Included
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.
Contents
Included
Limited Contents
Included
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
Included
Limited Contents
Included
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
Included
Limited Contents
Included
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
Included
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
Included
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.
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.
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.
Sum Insured
One event, one excess
Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
Lower your premiums with higher excesses
With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231.
Multi Policy Discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
AA Member discounts
Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount. Simply provide your personal AA Membership number each time you take out or renew an eligible policy.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
