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Home /
Home And Contents Package

Home and Contents Insurance Package

Bring your home and contents insurance together and only pay one excess – the highest applicable excess - when you claim on multiple policies for one event.*
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Quicklinks
Contents Calculator
Independently provided by Sum Insured
Important
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.
Launch Contents Calculator
(Independently provided by Sum Insured)
Home and Contents benefits
Core insurance protection
Peace of mind
Going the extra mile
Away from home
Optional extras
Optional extra:
Optional extra:
Optional extra:
Because you're with AA Insurance
At a glance
Cover for the unexpected
We'll help you recover from natural hazards and other damage to your home and contents.
We'll help get you back on your feet
In the event your home is damaged or destroyed by a natural hazard we will repair, rebuild or pay you up to the total sum insured. If your home is damaged in any other event, you may receive more than the sum insured under our .
Temporary accommodation
We will pay reasonable costs up to $40,000 for for you, your family and your pets.
Helping you save
with higher excesses
10% off
AA Home Response
Your policy includes 24/7 access to reliable tradespeople for home related emergencies, available in selected areas. Learn more.
Illustration of a house
More reasons to choose us
Buy, manage, and claim online
New Zealand call centre
Personal Claim Manager
24/7 claims support
Cancel your policy any time
Optional extras
Excess-free glass cover
This means you won't need to pay an excess if your claim is only for glass damage to your windows, doors, or built-in furniture.
$100 excess on eyewear
Reduce your to $100 for claims on spectacles, sunglasses and contact lenses.
Hearing aid cover
This means you won't need to pay an excess if your claim is just for your hearing aids.
Be mindful of
You can check your cover and get an estimate to rebuild your home with this rebuild cost calculator, and an estimate of how much contents cover you might need with this contents calculator.
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

Mike and Sarah's story

We put our customers' needs first and pride ourselves on working with them to help eliminate stress and uncertainty.
When one of our customers experienced a devastating house fire, our team acted quickly to support their recovery.
"If we didn’t have insurance, I would be a financial ruin"
FAQs
Are my house keys covered by my home policy?
Yes - we will pay to replace keys or locks, or change key codes if the security of your home is at risk following a burglary, theft, loss of, or the unauthorised duplication of your keys. Read More
What does my contents insurance cover?
Our contents insurance policies cover belongings kept in or around your home that are owned by you or your family. We also cover items that are temporarily removed from your home within New Zealand. Read More
What happens to my contents insurance if I go on holiday?
Your contents insurance will continue to cover the belongings you leave at home while you're on holiday. If you're going on holiday within New Zealand, the contents you take with you will be covered too. Read More
Policy documents
Home and Contents Insurance
Get your policy document online
Additional documents
Looking for your or ? 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.
Make a claim online
Call 0800 500 216
What to do at claim time
A warning side next to a house.
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.
A staff at help desk answering a call
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.
A guy and a cat sitting on a couch.
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
Two receipts next to another.
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.
If your home is uninhabitable
If you can't live in your damaged home while it is being repaired or rebuilt, we'll cover the reasonable cost for for you and your family as part of your claim.
Gradual damage
Gradual damage is deterioration to property caused over time. As our policies are designed to cover sudden and unforeseen damage, we don't cover damages such as wear and tear, corrosion, mould, gradual deterioration, or depreciation of your contents. Limited cover is provided for hidden water damage.
Related articles
Two people sitting in the garden of their house
Home insurance for beginners

Your home may be your most valuable asset, so it makes sense to protect it from the cost of unexpected damage or loss. Let's take a look at the benefits of home insurance, how it works and a few things to consider before choosing your cover.

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.

You can use an online calculator to estimate your sum insured.
Understanding your sum insured

It's important to understand what ‘sum insured’ means in the context of insurance. Correctly estimating your sum insured and reviewing it regularly will help ensure you have enough cover for your needs. Here's some useful information on the subject.

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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
Financial strength rating
AA Insurance Ltd has an AA- (Very Strong) Insurer Financial Strength Rating given by S&P Global Ratings. This rating expresses their opinion about the ability and willingness of a company to meet its financial obligations in full and on time.
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*If you claim under more than one policy with us for loss caused by a single event at the same location, you will only pay the excesses that are payable under one policy. An excess applies to each address listed on your policy schedule where there is loss or damage.