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Home Insurance Policy Benefits:
Replacement coversum insured page.
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 this can extend the 12 month limit to $40,000.
Replacement of keys or locks
If the security of your home is at risk following a burglary, theft or loss, we’ll pay to replace your keys or locks, or change your key codes.
New building work
Renovating your house? Minor renovations and unfixed building materials for renovations under the total value of $75,000 are covered.
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.
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.
The free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.
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Frequently asked questions
If you can't find the answer you're looking for, please contact us.
I'm renovating my home, am I covered?
Your Home Insurance Policy covers new building work up to $75,000.
There are a number of circumstances that aren't covered, such as new building work worth more than $75,000, or alterations involving load bearing walls. Please see your Home Insurance Policy for the full details - it's important to read this to determine whether or not you will be covered.
Please contact us immediately if your home will undergo any structural alterations or structural additions.
What 'reasonable steps' do I need to take to ensure I get Replacement Cover?
Using either a LIM report or other council authorised document to calculate the accurate size of your home is considered taking reasonable steps. Guessing the size of the home, or using a measuring tape to try and estimate it, are not considered reasonable steps.
Reasonable steps includes using tools we have provided such as the Cordell Sum Sure Calculator or getting a qualified professional to calculate an accurate Sum Insured. Taking a guess or relying on your property's CV/market value are not reasonable steps.
What happens if I don't take 'reasonable steps'?
If you have not taken reasonable steps, and at claim time we find the size of the home is wrong and/or it is significantly underinsured, we will settle your claim based on the Sum Insured.
Do I get a package discount if I insure my home and contents?
Yes, if you take out more than one eligible insurance policy with us, you can qualify for a Multi Policy Discount. Depending on when you take out the policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy.
If you're not sure you qualify, or if you're a Small Business Insurance customer, please contact us and one of our friendly consultants will talk to you through your own unique situation.
You can find out more about our Multi Policy Discount, it's T&Cs and what you need to do to receive it, on our information page.
Do you cover homes that are used for Airbnb or Bookabach?
We may be able to cover you but we'd need to discuss this with you first. Please call us on 0800 500 231 and we'll be happy to assess the appropriate cover for your home.
Renovating's a great idea but what about your contents?
A great way to improve your home's resale value
In the mid-1990s, Dinah Malyon of DMI Home Stagers saw a gap in the market. So she set herself up as New Zealand’s first full-time home staging company, and now has 15,000 success stories under her belt, with up to 150 homes on the go at any one time.
*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards