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.

Get a quote Retrieve a quote Contents calculator


Key policy features

  • 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.

  • Excess-Free Hearing Aid Cover

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

  • Multi Policy Discount

    Get a Multi Policy Discount when you take out any two, or more, policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. 

Please refer to our policy wording for full details.

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Contents Policy Benefits:


Your Personal Customer Manager

They’ll look after you when you make a claim, ensure you’re fully informed, and make sure things stay on track and hassle-free.


New for Old

If something you own is stolen, lost or damaged beyond repair, we’ll replace it with a brand new item, regardless of the age of the original. So if your five year-old TV is stolen, we’ll replace it with an equivalent brand new TV.

This benefit excludes clothing, footwear and cosmetics for which you will be paid the market value. Items that can be repaired may be repaired instead of replaced, and if a suitable new equivalent item isn’t available you will be paid the market value.

Lower your premiums with higher excesses

With our excess options on your home and contents cover, you can choose a higher excess in return for lower premiums – you’ll only have to pay that excess when you make a claim.

For more information, give us a call on 0800 500 231.

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.

New Zealand wide cover

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

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.

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.

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.

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.

More policies means more savings

Insure both your contents and your home with us, and you’ll receive a discount on both policies.

Then, if your contents and home at the same address are damaged at the same time, you'll only have to pay one excess for the claim.


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


Latest Policy Document

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

If you already have contents insurance with us and you’d like a copy of your policy, including the latest updates, we can send it to you.

  Contents Calculator

This is a guide to help you calculate the value of your contents.

Get a quote Retrieve a quote Contents calculator

Not ready to switch your insurance just yet?

Let us know when you might be ready, and we can get in touch when the time is right for you. 

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NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.