A couple moving into their rental, putting things on shelves

Renters Insurance

Looking for a student or renter’s insurance comparison? Use our Contents Insurance Calculator to get a fast renter's 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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Renters Insurance Policy Benefits:

  • Two levels of cover

    Protect the things you value with award-winning contents cover from AA Insurance. With two different types of cover, you can rest easy knowing if something happens we’ll sort things out for you. Compare our contents products here.

  • 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

    If you choose our Contents Insurance Policy, we’ll pay up to $1,000 if food is spoiled as a result of your fridge/freezer breaking down, or if your power supply is accidentally interrupted. 

    If our Limited Contents Insurance Policy suits you better, you’re covered up to $500 if food is spoiled as a result of your fridge/freezer breaking down, or if your power supply is accidentally interrupted.

    When making a claim for this benefit, you won’t need to pay your excess if there is no other damage.

  • Legal liability

    If you accidentally damage someone else’s property, such as breaking a vase in a store – we’ll protect you against any claim they make, up to $2million.

  • 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, or your Limited Contents Insurance Policy for up to $2,500 per event. 

    Need more cover than this? No problem. Just tell us how much cover you need, and we can adjust your limit.

  • 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 if you’re the value is more than your existing policy limit. 

    Compare the adjustable event limits on our Contents Insurance policies or contact us to discuss whether you will need more cover for any items.

  • Optional extras

    You can choose to add optional extras to your policy giving you greater flexibility and cover that suits your needs. Compare our contents products and optional extras here.

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.

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