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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.

Contents Calculator
Calculate building sum insured

  Home&Contents

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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.

Contents Calculator
Calculate building sum insured

Awards

Home and Contents Insurance Policy Benefits:

Replacement Cover

If you have taken steps to set an accurate Sum Insured 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. 

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

Use our Sum Insured Calculator

Find out more about Sum Insured

Use our guide to help you calculate the value of your contents.

Use our 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.

View Home Insurance Policy Document

View Contents Insurance Policy Document

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What makes us different?

  • Personal Customer Managers
  • 24 hour claims support
  • Always speak to a real person
  • NZ based call centre

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.

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

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for nine 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.

Contact us

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

Sum Insured

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.

More about Sum Insured home insurance

Free Cordell Sum Sure Calculator

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

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.

See how much you could save

Become an AA Member

Market Value

The reasonable retail value of your asset immediately before it was damaged or lost.