Sum Insured is the maximum amount we’ll pay for the rebuild of your home unless we choose to settle your claim under Replacement Cover. It includes any features like swimming pools, fences, sheds and paving. You can discuss the value with us at any time. By paying your premium, you have accepted the Sum Insured.
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 10 years running
Home and Contents Insurance Policy Benefits:
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.
Our free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.
Use our guide to help you calculate the value of your contents.
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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*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards
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Helping you save
Frequently asked questions
If you can't find the answer you're looking for, please contact us.
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.
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.
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.
We put you first
We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.
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.
Sum Insured
One event, one excess
Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
Lower your premiums with higher excesses
With our excess options on your home and contents you can choose a higher excess in return for lower premiums – and you’ll only have to pay that excess when you make a claim.
For more information, give us a call on 0800 500 231.
Multi Policy Discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
AA Member discounts
Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount. Simply provide your personal AA Membership number each time you take out or renew an eligible policy.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
