Limited Contents Insurance

Looking for contents insurance? We’ve got you covered. Get a Limited 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 12 years running

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Limited Contents Insurance Policy Benefits:

  • Cover for burglary, fire, storm, flood or natural disaster

    Protect the things you value with cover for loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.

    If you need cover for accidental loss or damage in events other than these, our Contents Insurance policy may be right for you.

  • New for old

    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, we will pay the

  • 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 Limited Contents Insurance Policy for up to $2,500 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 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 $2 million.

Optional extras

  • Mobile phone cover

    You can choose to add cover so that your mobile phones will be covered for theft, accidental loss and accidental damage.

  • Laptop and tablet cover

    You can choose to add cover so that your laptops and tablets will be covered for theft, accidental loss and accidental damage.

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

  • NZ based call centre

Frequently asked questions

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

Is my partner covered under my contents policy?

Our contents insurance will cover you, your partner and family members living with you at the insured address.

Does my contents insurance cover legal liability?

If you accidentally cause damage to someone else's property which you are legally liable for, we'll protect you against their claim up to $2 million dollars.

And, if you cause accidental bodily injury to another person, we'll pay up to $250,000 if an NZ Court orders you to pay reparation to them.

Do I need receipts or valuations for all of my contents?

If you need to make a claim, receipts and valuations are a good way to show what you are claiming on. If you don't have a receipt of valuation, you can also use photos, financial statements or records kept by the shop where you purchased the item. 

What is a Sum Insured?

Your Sum Insured is the total dollar amount that is needed to replace all your contents, and is the maximum amount that can be paid to you if you need to claim.

Our free online contents calculator will help you work out exactly the amount of cover you need.

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 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit