Home and Contents Insurance Package

Looking for a house and contents insurance comparison? Get a combined Home & Contents 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 12 years running

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Home and Contents Insurance Policy Benefits:

  • Replacement cover

    If you have taken steps to set an accurate 

     and size of your home, unless the damage to your home is caused by a natural disaster, we will settle your claim using replacement cover. This means you’ll be covered for the full cost to repair or rebuild your home. If you’re not sure how to do this, please check out our sum insured page.

  • 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.

  • Temporary accommodation

    If your home becomes uninhabitable as a result of an event covered by your policy, we will pay the reasonable costs of alternative accommodation for you, your family and your pets. This is usually limited to $20,000 and for 12 months, however if you’re claiming as a result of an earthquake/tsunami we can extend the limit. 

Optional extras

  • Excess-free glass cover

    Adding excess-free glass cover to your policy means you won’t need to pay any excess if a claim is made on glass for windows, doors, and built-in furniture.

  • $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. 

The free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.

The free 'Sum Insured Pty Ltd' contents calculator will help you work out the value of your home contents.

Use the contents calculator

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.

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What makes us different?

  • Personal Customer Managers

  • 24 hour claims support

  • NZ based call centre

Frequently asked questions

If you can't find the answer you're looking for, please contact us.

Does my contents insurance policy cover broken screens (such as mobile phone, laptop or tablet screen)?

If you have our Contents Insurance Policy, there is cover for damage, theft and accidental damage to your belongings. This includes your mobile phone and other electronics. If you have damaged an electronic gadget, you can start your claim online here or by calling us on 0800 500 216.

If you have our Limited Contents Insurance Policy, cover for accidental loss, theft and accidental damage is not automatically included. However, you can purchase the optional benefits ‘mobile phone cover’ and/or ‘laptop and tablet cover’ which will extend your cover to include accidental loss, theft, and accidental damage (for example, if you crack your phone screen) for these items.

I'm renovating my home, am I covered?

Your Home Insurance Policy covers new building work up to $75,000.

There are a number of circumstances that aren't covered, such as new building work worth more than $75,000, or alterations involving load bearing walls. Please see your Home Insurance Policy for the full details - it's important to read this to determine whether or not you will be covered.

Please contact us immediately if your home will undergo any structural alterations or structural additions.

What happens to my contents insurance if I go on holiday?

If you are going on holiday in New Zealand, the contents you take with you will still be covered.

If you will be away from your home for less than 60 days, the contents at your address are still covered. If you are away from home for more than 60 days, a long-term unoccupied excess will apply from day 61 of your home being empty.

Contents you take overseas with you are not covered, however AA Travel Insurance can be purchased here.

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. They also cover contents that you or family members living with you are responsible for, such as hired goods or medical equipment supplied by hospitals.

For a comprehensive list of what our policies do and don't cover, please see our contents insurance policy documents page.



Renovating's a great idea but what about your contents? 

You’ve made a start on the reno, and have just added up the cost of all those big ticket items you’ve installed. Now you’re wondering how to protect them while the work is still underway.

Read more

Time will tell – understanding gradual damage

We’re often asked why some things are covered by insurance while others aren’t, like the damage caused from a leaky tap. So we thought we’d explain it here with a few examples.

Read more

*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards