Renters Insurance
Your place may be rented, but what’s in it is yours. Whether you're in an apartment or a standalone home, our contents insurance protects your precious possessions from life’s unexpected turns. Join thousands of Kiwis who trust us to cover the things they care about.
This is an independent tool provided by the company ‘Sum Insured Pty Ltd’ and the estimate produced is not shared with AA Insurance. The calculator does not constitute financial advice and you must make your own decision on the sum insured for your contents insurance that is appropriate for your own personal circumstances.
If you are flatting, you only need to include the value of your own personal items, not property owned by your flatmates.
You can still use the calculator by adjusting your responses to only select the rooms your belongings are in (for example, your bedroom) and the items you personally own.
If you want to calculate your sum insured for Landlord contents, please refer to the policy document as there is limited cover in this instance.
Voted Most Trusted General Insurer by New Zealanders for 16 years running
Compare cover
$3,000 adjustable limit
$2,500 adjustable limit
For loss or damage from burglary, fire, storm, flood or natural hazard only, except for items you choose an optional extra for.
At a glance
You're in control
Choose the best cover to suit your needs with our two levels of cover:
Keep yourself fully protected with our most comprehensive cover. We'll cover your contents if they are lost or damaged by a sudden, unforeseen and accidental event.
Basic cover to protect your contents against burglary, fire, storm, flood or natural hazard with the option to upgrade your cover on mobile phones and laptops to include theft and accidental damage and loss.
Legal liability
If you accidentally damage someone else's property, we'll cover you for up to $2 million if you were legally liable. For example, if you accidentally stain the carpet in the property you’re renting and your landlord makes an insurance claim, we’ll cover you for the difference between their excess and your contents insurance excess.
Cover for weather and natural hazards
If your contents are damaged during a weather or natural hazards event, you’ll be covered for loss or damage with both Contents and Limited Contents cover.
Peace of mind with like-for-like replacement
If your contents are lost or damaged beyond repair, we’ll replace them with a like-for-like item or the nearest available equivalent when you make a claim. Your laptop and mobile phone are automatically covered for sudden or accidental damage or loss under Contents Insurance and this can be added onto a Limited Contents policy as an optional extra.
Helping you save
This page contains a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply to these policies. Please read the policy document for full details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
Customer testimonial
Sharnye's story
Sharnye opens up about the devastating fire that damaged her belongings and how we helped guide her and make her feel supported during an uncertain time.
In this 4‑part series, Sharnye shares a few key things she learned about contents insurance after this experience.
FAQs
Can I get contents insurance if I'm renting?
Yes - whether you rent one room in a shared flat or rent a whole house, either our Contents Insurance policy or Limited Contents Insurance policy are options available to you. Read More
Does my contents insurance cover my items outside of my home?
Our contents insurance policies cover your contents anywhere within New Zealand. Read More
Do you cover my laptop or tablet if I bring it to work or school?
Yes - both our Contents Insurance policy and Limited Contents Insurance policy cover you anywhere within New Zealand. Our Limited Contents Insurance policy only provides cover for burglary, fire, storm, flood and natural hazard for laptop and tablets. You can purchase optional benefits to extend your cover. Read More
Are my contents covered for earthquakes or other natural hazards?
Yes. If you have your contents insurance with us, your policy automatically covers loss or damage caused by natural hazards. This includes earthquake, natural landslide, volcanic activity, hydrothermal activity, tsunami or fire resulting from any of these. It does not include any gradual or slowly moving natural landslide. Read More
Policy documents
Contents Insurance
Limited Contents Insurance
Additional documents
Looking for your Certificate of Currency or policy schedule? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.
Making a claim
If you have been in an accident
First, make sure that everyone is safe and out of danger - call an ambulance, the police or other emergency services departments if necessary.
What to do at claim time
Make sure your home is safe and secure
If your home has been damaged, make sure everyone involved is safe and, if you need to, call emergency services. For example, if there has been a theft, burglary or vandalism, or an attempt at these, call the police immediately. Once it's safe to do so, you should make sure your home is secure.
Submit a claim
Report your claim online, and one of our Customer Managers will get in within two working days, if not sooner. This may take longer for claims made over the weekend, on a public holiday, or during a high-demand weather event. Or call us on 0800 500 216 if your situation is urgent. It will take about 15 minutes to lodge your claim. Let us know if your home is no longer safe or secure.
We'll get you sorted
A Customer Manager will keep you fully informed about your claim's progress. They will process your claim as quickly as possible, so that you can get back to normal.
Things to keep in mind
Securing and maintaining your contents
You must, at your cost and expense, maintain your contents in good repair, secure your contents, and take all reasonable precautions to prevent loss occurring.
Proof of purchase
If you need to make a claim on your contents, 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.
Wear and tear
As our policies are designed to cover sudden and unforeseen damage, we don't cover loss that occurs over time, such as wear and tear.
Related articles
7 common questions from renters
Whether you’re moving into your first flat, or been renting for years, sometimes it’s hard to know where to find the answers to the simplest questions about insurance. So, we’ve asked our team of experts to help answer the most common queries we get from renters.
Understanding like-for-like replacement
There are a number of ways in which your contents claim can be settled, including like-for-like replacement. Let’s take a closer look at what is meant by this in insurance.
Contents insurance for beginners
Contents insurance is a great way to protect yourself and your property against the unexpected. Here's a breakdown of its benefits, how it works and the things you should consider before choosing your cover.
Why choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for sixteen years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.
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.