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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home and contents insurance package

Key policy features

  • Replacement Cover

    We've introduced Replacement Cover to give you greater peace of mind. In an event other than a natural disaster, we’ll use Replacement Cover to rebuild your home, even if it costs more than your Sum Insured. 

  • Optional extras

    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.

  • Better cover for retaining walls

    We cover retaining walls up to $50,000.

  • 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 may be applied at the time you pay, or as a refund once your policies have been issued.

    Worth noting: this is just a summary of our home and contents policies. Please refer to our policy wordings for full details.

NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.

Readers Digest most trusted general insurance brand 2011 - 2016

Already with AA Insurance?

Check out the recent changes to our home and contents policies.

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Home And Contents Insurance Benefits:

The more insurance you have the more you save. Get a discount on both policies when you insure your home and contents with us. 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.

temporary accommodation benefit

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.

Old items replaced with new items

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.


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.

For more information, give us a call on 0800 500 231.


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.


Natural Disaster Cover

If the unexpected happens and your home and/or contents are damaged by a 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.


Lower your premiums with higher excesses

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.


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.


Contents insurance policy document

Latest Policy Document

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


If you already have home and contents insurance with us and you’d like a copy of your policy, including the latest updates, we can send it to you.


Contents Calculator   Contents Calculator

This is a guide to help you calculate the value of your contents.

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Not ready to switch your insurance just yet?

Let us know when you might be ready, and we can get in touch when the time is right for you. 

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NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.

Readers Digest most trusted general insurance brand 2011 - 2016