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.
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.
Voted Most Trusted General Insurer* by NZers for 10 years running
Home Insurance Policy Benefits:
Optional extra
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.
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.
Our Free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.
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*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards
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.
What makes us different?
Helping you save
Looking for something more tailored?
View our insurance tailored specifically to landlords and save with our 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.
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.
Why choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.
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.
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.
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 tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
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. Simply provide your personal AA Membership number each time you take out or renew an eligible policy.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
