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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.

Most trusted brand and canstar awards

Use Promo Code: SWEET. Offer ends 6 May 2019.

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*Limit 4 Prezzy® cards per customer. T&C’s apply.


Renters 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 need to even 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.

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.

Check our Contents Insurance Policy document or contact us to discuss whether you need more cover for any items.

Optional extras

$100 Excess on Eyewear

You can choose to reduce your excess to $100 if you need to make a claim for spectacles, sunglasses or contact lenses. 

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 home contents.

Use our 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.

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. 

Read more

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 eight 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.

Contact us

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

One event, one excess

Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one. 

Lower your premiums with higher excesses

With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.

For more information, give us a call on 0800 500 231.

Multi policy discount

Get a Multi Policy Discount when you take out any two, or more, policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. 

AA Member discounts

Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount.

See how much you could save

Become an AA Member

Market Value

The reasonable retail value of your asset immediately before it was damaged or lost.