Contents Insurance

Looking for a contents insurance comparison? 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 10 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 Market Value.

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 even need pay your excess if there is no other loss or 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. This means you will only need to pay $100 excess if a claim is made for spectacles, sunglasses or contact lenses, as long as there is no loss or damage to any other item of contents.

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, as long as there is no loss or damage to any other item of contents.

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.

View Policy Document

Use our guide to help you calculate the value of your contents.

Use our contents calculator

Ready to get started?

Getting a quote only takes 5-10 minutes.

*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit

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.


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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.

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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