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Home Insurance

Whether you live in a big home, small home, medium home; or even some other kind of home – we’ve got it covered with our home insurance cover.

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Save $50 on EVERY new policy you buy online. T&C's apply.

Save $50

Hurry! Save $50 on your home insurance when you buy online*

Take out any new home, contents or car insurance policy online before 31 August and save $50 on EVERY new policy.
The more you buy the more you save.

Terms and conditions apply.

Changes to New Zealand home insurance

AA Insurance now provides home insurance based on the Sum Insured of your home. The Sum Insured is the maximum amount we will spend to reinstate your home in the event of a claim. The Sum Insured should be the amount it would cost to completely rebuild your home, including features such as swimming pools, fences, sheds and paving.

Home insurance policy benefits:

temporary accommodation benefit

Temporary Accommodation

We will cover reasonable alternative accommodation for you, your family and your household pets if your home becomes unfit to live in as a result of an event covered by your policy.*

*Cover is limited to $20,000 and a maximum of 12 months.

personal insurance managers

Personal Customer Manager

Your personal contact at AA Insurance who looks after you when you make a claim. They’ll keep you fully informed, making sure things stay on track and hassle-free.


AA Member Discounts

Exclusive to AA Insurance! Even better value for AA Members. AA Member Discounts are dollar discounts that save you money every year on key insurance policies. The longer you've been an AA Member, the better the discount.

Replacement of keys or locks

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

Loss of Rent

If you’ve let us know the house you own is rented and your tenants can’t live there because of damage, we’ll pay for the rent you lose while we repair the damage.*

*Cover is limited to $20,000 and a maximum of 6 months.

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.

More insurance policies means more savings

Insure both your contents and home insurance with us, and you’ll receive a discount on both policies.

Then, if your contents and home at the same address are damaged at the same time, you'll only have to pay one excess for the claim.

Lower your premiums with Flexi-excess

With flexible excess options on your home and contents you can choose a higher voluntary excess in return for lower premiums – and you’ll only have to pay that excess at claim time.

For more information, give us a call on 0800 500 231.

This is only a summary of key benefits. For full details, exclusions and limitations – please read your policy document. 

*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.

home insurance policy

Requesting a Policy Document

If you want to learn more about this policy and the options we can offer, please view the following document:

If you currently have Home insurance with us and would like a copy of your policy document, we can send you the appropriate policy according to your last renewal date.

Check out our handy home and contents insurance tips videos

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Not ready to switch your insurance just yet?

Let us know when you will be ready to switch, and we can get in touch when the time is right for you. 

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