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Renters Insurance

Our contents insurance protects your valued possessions when you’re renting or flatting.

Most trusted brand and canstar awards

Renters Insurance Policy Benefits:

Legal liability cover

If you accidently cause damage to someone else’s property, we’ll protect you against any claim up to $2m.

And, if you cause accidental bodily injury to another person, we'll pay up to $250,000 towards any reparation order made against you to top up the ACC payments made for the losses that person suffers.

Temporary accommodation

If the house you are renting is damaged and you can’t live there, we’ll pay the increase in rent above what you usually pay, for up to four weeks. We will also pay the reasonable costs for the essential removal of contents, and back again.

NZ wide cover for your contents

With our renters insurance, your contents will be covered wherever you and they are, within New Zealand.

New for old

In most cases, we will replace your stolen, lost or damaged beyond repair contents with brand new items, which are comparable with your original items. So if your three year-old laptop is stolen, we’ll replace it with a brand new one*, subject to the express limits of the policy.

The right amount of cover

Our homes can be full of so many things – from sunglasses to laptops, sometimes it’s hard just to keep track of them, let alone know what they are all worth. Our free online contents calculator will help you work out exactly the amount of cover you need.

Ready to get started?

Getting a quote only takes 5-10 minutes.

Please note that limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. Refer to policy wording for full details of cover and exclusions. For full policy and benefit terms and conditions please go to

Contents Calculator

This is a guide to help you calculate the value of your contents

Use our Contents calculator

Existing customers

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We’ve updated this policy

We recently made some changes to our insurance policies. 

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Latest Policy Document

Want to know more about our Contents insurance? Read the full policy document online. 

Download PDF

Frequently asked questions

If you can't find the answer you're looking for, please email us or call on 0800 500 216

Five tips for renters to take the stress out of renting

The term ‘generation rent’ highlights the fact that 30 per cent of all Kiwis are now renting, many because they’re unable to afford to buy a home of their own. As the market grows, it therefore makes sense for tenants to better understand their rights and responsibilities. 

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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.

Read more

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six 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. Just one reason why we have NZ's most satisfied customers.

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Easy, stress-free claims

Your personal Customer Manager will take care of your claim from start to finish. They'll keep you fully informed, making sure things stay on track and hassle-free.

Making a claim with us