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Contents Insurance

Looking for contents insurance? We’ve got you covered. Get a contents insurance quote from New Zealand's Most Trusted General Insurer. Live a little freer with AA Insurance.

Voted Most Trusted General Insurer* by NZers for 11 years running

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Contents Insurance Policy Benefits:

  • New for old

    If something you own is stolen, lost 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 a suitable replacement item available, will be settled at the 

  • Excess-free cover for food spoilage

    We’ll pay up to $1,000 where food is spoiled due to your fridge/ freezer breaking down, or if your power supply is accidentally interrupted. You won’t need to even pay your excess if there is no other damage.

  • Business tools and professional equipment

    If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your Contents Insurance Policy for up to $3,000 per event.

    If you need additional business cover, our Small Business Insurance may be right for you. Please call us on 0800 500 231 to discuss further.

  • Adjustable event limits

    You don’t need to list individual items, but you might need to tell us the total combined value for things like jewellery, cameras, bicycles, works of art and business tools.

    Check our policy document or contact us to discuss whether you need more cover for any items.

  • Legal liability

    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.

Optional extras

  • $100 Excess on Eyewear

    You can choose to reduce your excess to $100 if you need to make a claim for spectacles, sunglasses or contact lenses. 

  • Excess-Free Hearing Aid Cover

    You can choose to add Excess-Free Hearing Aid Cover to your policy. This means you won’t need to pay any excess if a claim is made for your hearing aids.

This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

The free 'Sum Insured Pty Ltd' contents calculator will help you work out the value of your home contents.

Use the contents calculator

Ready to get started?

Getting a quote only takes 5-10 minutes.

What makes us different?

  • Personal Customer Managers

  • 24 hour claims support

  • Always speak to a real person

  • NZ based call centre

Frequently asked questions

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

Contents insurance for beginners

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.

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

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.

*As voted by consumers 2011 – 2021 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards