Home Insurance

Looking for a house insurance comparison? Calculate your Sum Insured with our home insurance calculator and get a fast home insurance quote. Live a little freer with AA Insurance.

AA Insurance - Home Insurance
Readers Digest Most Trusted General Insurer 2011-2019

Home Insurance

Looking for a house insurance comparison? Calculate your Sum Insured with our home insurance calculator and get a fast home insurance quote. Live a little freer with AA Insurance.

Readers Digest Most Trusted General Insurer 2011-2019

Home Insurance Policy Benefits:

Replacement Cover

If you have taken steps to set an accurate Sum Insured 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 of the repairs or rebuild of your home. If you’re not sure how to do this please check out our Sum Insured page.

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 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. See more.

Optional extra

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. See more.

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.

View Policy Document

Our Free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.

Use our Sum Insured Calculator

Find out more about Sum Insured

Ready to get started?

Getting a quote only takes 5-10 minutes.

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.

Find out more
Terms and conditions.

What makes us different?

  • Personal Customer Managers
  • 24 hour claims support
  • Always speak to a real person
  • NZ based call centre

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

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

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. 

Read more

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.

Contact us

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

Excess-Free Glass Cover

There is no cover under this benefit for any area surrounding the glass which requires repair to enable the glass to be fitted.

New building work

There are some renovations such as renovations involving the removal of roofing material or cladding which are not covered under our Home Insurance Policy. Please see our policy document for more information.

Sum Insured

Sum Insured is the maximum amount we’ll pay for the rebuild of your home unless we choose to settle your claim under Replacement Cover. It includes any features like swimming pools, fences, sheds and paving. You can discuss the value with us at any time. By paying your premium, you have accepted the Sum Insured.

More about Sum Insured home insurance

Free Cordell Sum Sure Calculator

Personal customer managers

They'll look after you when you make a claim, ensure you're kept fully informed, and make sure things stay on track and hassle-free.

One event, one excess

Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one. 

Lower your premiums with higher excesses

With our excess options on your home and contents 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.

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

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.

See how much you could save

Become an AA Member

Market Value

The reasonable retail value of your asset immediately before it was damaged or lost.