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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.

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Most trusted brand and canstar awards

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.

New for old

If something you own is stolen, lost or damaged beyond repair we may replace your item with a new one or with the nearest available equivalent. We may also choose to pay market value for any claim.

While most items will be covered by new for old cover, certain items such as clothing, footwear and cosmetics won’t be included. For full details, exclusions and limitations please read our policy document.

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

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.

Latest Policy Documents

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

View Home Insurance Policy Document

View Contents Insurance Policy Document

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 Sum Sure 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 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.

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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 eight 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