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Home Insurance

What makes your house your home is the people and belongings inside it. And when you have a home full of treasured belongings, you’ll want the protection of AA Insurance HomeCover®.

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Changes to home insurance

AA Insurance now provides home cover 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.

The two levels of home cover:


Accidental Damage Cover

Covers you for the big events, as well as the smaller accidents.  With Accidental Damage cover you’ll be protected for Defined Events (as listed under Defined Events Cover) as well as accidental damage to your home.  This gives you the most comprehensive protection available.


Defined Events Cover

With Defined Events cover you’ll be protected for loss or damage caused by fire, lightning, storm, flood, burglary by violent or forced entry, malicious damage, vandalism, natural disasters and more.  This type of insurance protects you for the big stuff, for a smaller premium.

Policy benefits:


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 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 policies means more savings

Insure both your home and your contents 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 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.

Requesting a Policy Document

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

(Applies to new policies taken out from 16 Dec 2012, or existing policies renewed from 1 July 2013)

If you currently have HomeCover 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.

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