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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.

Voted Most Trusted General Insurer* by NZers for 11 years running

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Home and Contents Insurance Policy Benefits:

  • Replacement Cover

    If you have taken steps to set an accurate 

     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 guide to help you calculate the value of your contents.

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.

Ready to get started?

Getting a quote only takes 5-10 minutes.

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

*As voted by consumers 2011 – 2021 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards