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Home Insurance

Whatever type of home you live in, you want to be sure it’s properly protected. And with our home insurance cover, you can trust us to get both the big stuff and the little stuff sorted when it matters.

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Home Insurance Policy Benefits:

Temporary Accommodation

We will 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. That’s usually limited to $20,000 and for 12 months, but if you’re claiming as a result of an earthquake or tsunami we can extend the 12 month limit and increase your cover to $40,000.

Natural Disaster Cover

If the unexpected happens and your home is damaged by a natural event, 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.

Replacement of keys or locks

We’ll pay to replace keys or locks, or changes to key codes if the security of your home is at risk following a burglary, theft, or loss.

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.

Cover for retaining walls

We cover retaining walls up to $50,000.

Additional benefits for peace of mind:

Optional extra

Excess-Free Glass Cover

Just call us if you’d like to add this cover to your policy, for a small additional cost.

Sum Insured

We provide house insurance based on the Sum Insured amount for your home. The Sum Insured is the maximum amount we will spend to reinstate your home if you make a claim. The Sum Insured should be the amount it would cost to completely rebuild your home, including any features like swimming pools, fences, sheds and paving.

More about Sum Insured home insurance

Free Cordell Sum Sure Calculator

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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..

Get access to expert, reliable tradespeople with your Home Insurance.

Take out Home Insurance with us and provided your home is in the available area, you’ll get AA Home Response on us. Not available where you live? Don’t worry, it’s coming to most regions soon.

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Terms and conditions.

Looking for something more tailored?

View our insurance tailored specifically to landlords and save with our home & contents package.

View our landlord insurance

Home & contents package

Latest Policy Document

Want to know more about our Home insurance? Read the full policy document online. 

View Policy Document

Frequently asked questions

If you can't find the answer you're looking for, please contact us.


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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.

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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