Key Home and Contents Insurance policy features
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.
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.
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 Sum Sure Calculator will help you work out an estimated rebuild cost.
Frequently asked questions
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.
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 Sum Sure 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.
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.
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