Home Insurance

Whatever type of home you live in, you want to be sure it’s properly protected. And with our home insurance cover, you can trust us to get both the big stuff and the little stuff sorted when it matters.

Get a quote Retrieve a quote

Key policy features

  • Replacement Cover

    We’ve introduced Replacement Cover to give you greater peace of mind. In an event other than a natural disaster, we’ll use Replacement Cover to rebuild your home, even if it costs more than your Sum Insured. 

  • Excess-Free Glass Cover

    Just call us if you’d like to add this cover to your policy, for a small additional cost.

  • Better cover for retaining walls

    We cover retaining walls up to $50,000.

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

Please refer to our policy wording for the full details.

Sum Insured

We provide Home Insurance based on the Sum Insured amount for your home. The Sum Insured is the maximum amount we will spend to rebuild your home in the event of a natural disaster. It is also used for Replacement Cover which is detailed below.

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.

NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.

Already a customer?

We recently made some changes to our insurance policies.

Find out more

Home Insurance Policy Benefits:

temporary accommodation benefit

Replacement Cover

We appreciate that calculating an exact Sum Insured, enough to cover your home, can be stressful. To help eliminate some of this stress, our Home cover includes Replacement Cover. 
In an event other than a natural disaster, we will use Replacement Cover to fully rebuild your home even if it costs more than the Sum Insured. To receive Replacement Cover, please ensure you have taken reasonable steps to provide us with the accurate size of your home and calculated an accurate Sum Insured, prior to the loss.

If you'd like to find out more, have a look at the Home Insurance section of our FAQs page.

temporary accommodation benefit

Temporary Accommodation

We will cover reasonable alternative accommodation for you, your family and your domestic pets if your home becomes uninhabitable as a result of an event covered by your policy. This is usually limited to $20,000 and for 12 months, but if you’re claiming as a result of an earthquake or tsunami we may extend the 12 month limit and increase your cover to $40,000.

personal insurance managers

Your Personal Customer Manager

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.

AA Member Discounts

Exclusive to AA Insurance! 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’ll pay to replace keys or locks, or changes to key codes if the security of your home is at risk following a burglary, theft, or loss.

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 home and 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 higher excesses

With our excess options on your home policy 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.

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.

home insurance policy

Latest Policy Document

Want to know more about our home insurance? Read the full policy document online.

If you already have house insurance with us and you’d like a copy of your policy, including the latest updates, we can send it you.

Get a quote Retrieve a quote

Not ready to switch your insurance just yet?

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

Find out more

NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.