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Contents Insurance Comparison

Let our two levels of Contents Insurance work their magic. Get a quote and compare our Comprehensive & Limited Contents options to find out which one is right for you.

Voted Most Trusted General Insurer* by NZers for 11 years running

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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 disaster with the option to upgrade your cover on mobile phones and laptops to include theft and accidental damage and loss.

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Accidental damage

We will cover sudden, unforeseen and accidental loss or damage to your contents in an event other than burglary, fire, storm, flood, or natural disaster.

Contents
Yes
Limited Contents
No

Cover for burglary, fire, storm, flood or natural disaster

We will cover loss or damage to your contents caused by burglary, fire, storm, flood or natural disaster.

Contents
Yes
Limited Contents
Yes

New for old

If something you own is stolen in a burglary 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 an equivalent replacement item available, will be settled at the Market Value.

Contents
Yes
Limited Contents
Yes

New Zealand wide cover

We’ll protect your belongings at home and on the road, no matter where you and your contents are in New Zealand.

Contents
Yes
Limited Contents

For loss or damage from burglary, fire, storm or natural disaster only, except for items you choose an optional benefit for.

Legal liability

If you accidentally damage someone else's property, such as breaking a vase in a store - we'll cover you for any claim they make, up to $2million.

Contents
Yes
Limited Contents
Yes

Temporary accommodation

We’ll cover reasonable alternative accommodation for you, your family and your domestic pets if your home becomes uninhabitable as a result of an event covered by your policy. For renters, cover is limited to the increase in rent for up to four weeks. For owner occupied homes, cover is limited to $20,000 or a maximum of 12 months, whichever occurs first.

Contents
Yes
Limited Contents
Yes

Excess-free spoiled food

We’ll pay up to the benefit limit where food is spoiled due to your fridge/ freezer breaking down, or if your power supply is accidentally interrupted. You won’t even need to pay your excess if there is no other loss or damage.

Contents

$1000 limit applies

Limited Contents

$500 limit applies

Children at boarding school or in tertiary education

We will extend cover for contents in your children’s or dependant’s possession while they are temporarily living away from your home, in accommodation provided by a tertiary educational institution. Cover is subject to the limits shown in the policy document.

Contents
Yes
Limited Contents
No

Family members in a rest home

We will extend cover for contents in your or a family member’s possession while residing away from your home at a rest home or professional care facility. The most we will pay is $10,000 per person for any one event.

Contents
Yes
Limited Contents
No

Business tools & professional equipment

If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your policy.

Contents

$3,000 adjustable limit

Limited Contents

$2,500 adjustable limit

Optional Extras

Excess-free Hearing Aid Cover

You don’t have to pay an excess for claims for loss to your hearing aids, as long as there is no loss or damage to any other item of contents.

Contents
Yes
Limited Contents
No

$100 Excess on Eyewear

Pay a reduced $100 excess for claims for eyewear, as long as there is no loss or damage to any other item of contents.

Contents
Yes
Limited Contents
No

Mobile Phone Cover

Your mobile phones will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.

Contents

N/A Full cover applies

Limited Contents
Yes

Laptop and Tablet Cover

Your laptops and tablets will be covered for theft, accidental loss and accidental damage anywhere within New Zealand.

Contents

N/A Full cover applies

Limited Contents
Yes

Policy document

This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

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