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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 also pay less for each policy.

Most trusted brand and canstar awards

You might be wondering, why is cheeky Oscar on this page?

It's to help you care about our Home and Contents Insurance, just like you care about adorable puppies.

It's to help you care about our Home and Contents Insurance, just like you care about adorable puppies.

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.

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:

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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.

Existing customers

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We’ve updated this policy

We recently made some changes to our insurance policies. 

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Request a copy of your policy document

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 500 216

We sponsored HOMEmade and have some tips and advice to share with you.

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for seven 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 eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

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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