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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.*

Get a quote
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)
Trust Badge

Save $100 on new Home Insurance & $50 on new Contents Insurance.

Buy a new Home or Contents insurance policy by 25 February ‘26 and use promo code PROTECT.

Terms and conditions apply, savings apply to the first year.

Overview
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 Replacement cover.

Temporary accommodation

We will pay reasonable costs up to $20,000 for temporary accommodation for you, your family and your pets.

Helping you save

AA Member Discount

One event, one excess

Lower your premiums with higher excesses

AA Home Response

24/7 access to expert, reliable tradespeople in most areas of New Zealand. Learn more

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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 excess 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

Gradual damage

Event limits

Choosing your excess

Sum insured

Check if you have enough cover for your home with this rebuild cost calculator, and enough cover for your contents 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.

Home and Contents benefits
Core insurance protection

Natural Hazards Cover

Replacement cover

Legal liability

Peace of mind

Temporary accommodation

Like-for-like replacement

New building work

Going the extra mile

Business tools & professional equipment

Hidden water damage

Excess-free spoiled food

Replacement of keys and locks

Retaining walls

Away from home

New Zealand wide cover

Family members in a rest home

Children at boarding school or in tertiary education

Optional extras

Optional extra: Excess-free hearing aid cover

Optional extra: $100 excess on eyewear

Optional extra: Excess-free glass cover

Because you're with AA Insurance

One event, one excess

Policy documents
Home and Contents Insurance
Get your policy document online
Additional documents

Looking for your Certificate of Currency or policy schedule? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.

Claiming
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

Contact the claims team

Claims FAQs

What to do at claim time
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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.

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Submit a claim

Report your claim online, and one of our Customer Managers will get in touch within five working days. 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.

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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 temporary accommodation 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.

FAQs
Can't find what you're looking for?
Related articles
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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.

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"
NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for fifteen 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 help eliminate stress and uncertainty.

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

*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.