Home Insurance Policy Benefits:
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.
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..
Latest Policy Document
Frequently asked questions
If you take out two or more insurance policies with us, you’ll automatically qualify for a Multi Policy Discount. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued.
This will automatically be applied to your policies when they next renew.
There are several ways to calculate the cost of rebuilding your home, including:
- Using an online calculator such as the Cordell Online Calculator*. The Cordell Online Calculator provides estimated typical building replacement costs for standard residential homes.
- Obtaining a valuation completed by a builder, architect, quantity surveyor or other building expert.
There are many details that need to be taken into account when assessing the rebuild cost of your home, and because no one knows your home better than you do it’s up to you to determine the rebuild value of your home and provide your Sum Insured. Each home is unique; made from a variety of different materials, to different qualities and sizes and it is important that the sum insured reflects this.
For a full description of what’s included as part of your home, please read the ‘Your home includes’ section of your AA Insurance Home Insurance policy document.
More FAQs around our Sum Insured Home Insurance policies can be found here — Sum Insured FAQs.
Yes, your home is covered by natural disaster top-up cover if your claim is first accepted by the Earthquake Commission (EQC). Your Home Insurance premium includes an amount for natural disaster insurance, which is provided by the Earthquake Commission and is called EQCover.
If the unexpected happens and your home is damaged by a natural event, we’ll top up the EQCover, to your Sum Insured limit, to ensure you can get your life back to normal as quickly as possible.
Thanks for voting us New Zealand's Most Trusted General Insurance provider for seven years running. Earning your trust is one thing. But keeping it is everything.
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.