Home and Contents Insurance Package

When both your home and your contents are covered by AA Insurance, you’ll not only get award-winning protection for the things that really matter, you’ll pay less for each policy.

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You may be wondering, why are Gam Gam Peggy, Nana Jenkins and Por Por Judy on this page?

It’s to help you care about our Home and Contents Insurance, just like you care about your cherished grandma.

Meet our grandmas.

You may be wondering, why are Gam Gam Peggy and Nana Jenkins on this page?

It’s just to help you care about our Home and Contents Insurance, just like you care about your cherished grandma.

Meet our grandmas

Key Home and Contents Insurance policy features

Replacement Cover

We appreciate that calculating an exact Sum Insured, enough to cover your home, can be stressful. To help eliminate some of this stress, our Home Cover includes Replacement Cover.

In an event other than a natural disaster, we'll use Replacement Cover to fully rebuild your home even if it costs more than the Sum Insured. To receive Replacement Cover, please ensure you have taken reasonable steps to provide us with the accurate size of your home and calculated an accurate Sum Insured, prior to the loss.

If you'd like to find out more, have a look at the Home Insurance section of our FAQs page.

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. This is usually limited to $20,000 and for 12 months, but if you’re claiming as a result of an earthquake or tsunami we may extend the 12 month limit and increase your cover to $40,000.

New For Old

If something you own is stolen, lost or damaged beyond repair, we’ll replace it with a brand new item, regardless of the age of the original. So if your five year-old TV is stolen, we’ll replace it with an equivalent brand new TV.

This benefit excludes clothing, footwear and cosmetics for which you will be paid the market value. Items that can be repaired may be repaired instead of replaced, and if a suitable new equivalent item isn’t available you will be paid the market value.

Natural Disaster Cover

If the unexpected happens and your home and/or contents are damaged by natural disaster we’ll top up the cover provided by the EQC, to the Sum Insured limit, to ensure you can get your life back to normal as quickly as possible.

Cover for retaining walls

We cover retaining walls up to $50,000.

Additional benefits for peace of mind:

Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on key insurance policies. The longer you've been an AA Member, the better the discount.

See how much you could save

Become an AA Member

Get a Multi Policy Discount when you take out any two, or more, policies together. Depending on when you take out your policies, your discount may be applied at the time you pay, or as a refund once your policies have been issued.

Plus, if your home and contents are damaged at the same time and they are at the same address you only have to pay one excess for the claim.

For a small additional cost you can also get Excess-Free Glass Cover for your home and Excess-Free Hearing Aid Cover with your contents. Just call us on 0800 500 231 if you'd like to add these options to your policy.

With our excess options on your home and contents policy 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.

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This is only a summary of key benefits. For full details, exclusions and limitations please read your policy document.

Application for cover is subject to underwriting acceptance. Limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. For full policy and benefit terms and conditions please go to aainsurance.co.nz/terms.

This is general information and is not a recommendation, opinion or guidance on the Sum Insured that is appropriate for any of our customers. Nor does this information provide any advice or opinion on the extent or adequacy of the cover provided by Sum Insured insurance. This information is not personalised financial advice and does not take into account the particular situation of our customers. Customers must make their own decision on the Sum Insured that is appropriate for their circumstances.

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Latest Policy Documents

Want to know more about our home and contents insurance policies? Read the full policy documents online.

Home Insurance (PDF)

Contents Insurance (PDF)

Calculate your contents online

Use our guide to help you calculate the value of your home contents. Simply enter the estimated ‘replacement’ values for the items that are relevant to you and add the totals together to find out how much cover you require.

Use our Contents calculator

Calculate your Sum Insured online

There’s a lot to consider when calculating this value including building materials, foundations, interiors, outbuildings and your home’s surrounds. Our Free Cordell Online Calculator will help you work out an estimated rebuild cost.

Use our Sum Insured calculator

Frequently asked questions

If you can't find the answer you're looking for, please email us or call on 0800 500 231

Yes, it’s really important to tell us about these things as we may need to increase the event limit within your policy.

Let us know about valuables such as jewellery, cameras, bicycles, works of art and any coin, stamp, card or medal collection so we can specify them on your policy and increase the limit. We have standard limits for certain valuables and if we don’t know about the extra cover you need for your special items, the standard limit will apply.

Check our Contents Insurance page or contact us and we’ll discuss if you need more than the standard limit for any items.

Your Contents Insurance will cover the possessions of you and family normally living with you at your address and not covered by a Tenancy Agreement. However, it doesn’t cover people you’ve invited into your home — for example, tenants or party guests.

Cover is also provided while children are living at boarding school, with limited cover for children living in tertiary accommodation.

There are several ways to calculate the cost of rebuilding your home, including:

Using an online calculator such as the Cordell Online Calculator*. The Cordell Online Calculator provides estimated typical building replacement costs for standard residential homes.

Obtaining a valuation completed by a builder, architect, quantity surveyor or other building expert.

There are many details that need to be taken into account when assessing the rebuild cost of your home, and because no one knows your home better than you do it’s up to you to determine the rebuild value of your home and provide your Sum Insured. Each home is unique; made from a variety of different materials, to different qualities and sizes and it is important that the sum insured reflects this.

For a full description of what’s included as part of your home, please read the ‘Your home includes’ section of your AA Insurance Home Insurance policy document.

More FAQs around our Sum Insured Home Insurance policies can be found here — Sum Insured FAQs.

Yes, your home is covered by natural disaster top-up cover if your claim is first accepted by the Earthquake Commission (EQC). Your Home Insurance premium includes an amount for natural disaster insurance, which is provided by the Earthquake Commission and is called EQCover.

If the unexpected happens and your home is damaged by a natural event, we’ll top up the EQCover, to your Sum Insured limit, to ensure you can get your life back to normal as quickly as possible.

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Why choose AA Insurance?

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We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

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Your personal Customer Manager will take care of your claim from start to finish. They'll keep you fully informed, making sure things stay on track and hassle-free.

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