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 10 years running

Voted Most Trusted General Insurer* by NZers for 10 years running


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 Market Value.

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.

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.

*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

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.


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Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten 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.

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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