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Landlord Insurance

Looking for a landlord insurance comparison? Calculate the cost to rebuild your rental property and get a fast Landlord Insurance quote. Live a little freer with AA Insurance.

Voted Most Trusted General Insurer* by NZers for 12 years running

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Landlord Insurance Policy Benefits:

  • Replacement cover

    If you have taken steps to set an accurate 

     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.

  • Loss of rent

    If you have a current tenancy agreement in place and your tenants can't live in your rental home due to an event covered by your policy, we’ll cover the rent up to $20,000 or 12 months, while we repair the damage to your property.

Optional extras

  • Extended landlord cover

    You can choose our extended cover, which offers additional protection that’s tailored to properties that are tenanted.

    • If your tenant or their guest deliberately damages or steals from your property, we will cover the damage or loss up to $20,000.

    • We will cover up to eight weeks loss of rent if you need to evict your tenants, or if they leave without giving you the required notice.

    • Plus, if you find your tenants have been using or manufacturing illegal drugs we’ll pay up to $30,000 for decontamination and repair, including reimbursing you for the cost of discovering the contamination.

    Please be aware this cover only applies if you have a current tenancy agreement in place at the time of the event. Please see your policy document for full limitations and exclusions.

  • Landlord contents cover

    If you need cover for curtains or unfixed appliances, we will pay the cost to repair your contents or pay the 

     (whichever the lesser), up to the value of the sum insured you choose for your contents.

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.

The free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.

Ready to get started?

Getting a quote only takes 5-10 minutes.

AA Home Response
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 moreTerms and conditionsAA Home Response

What makes us different?

  • Personal Customer Managers

  • 24 hour claims support

  • NZ based call centre

Frequently asked questions

If you can't find the answer you're looking for, please contact us.

I'm renovating my home, am I covered?

Your Home Insurance Policy covers new building work up to $75,000.

There are a number of circumstances that aren't covered, such as new building work worth more than $75,000, or alterations involving load bearing walls. Please see your Home Insurance Policy for the full details - it's important to read this to determine whether or not you will be covered.

Please contact us immediately if your home will undergo any structural alterations or structural additions.

What 'reasonable steps' do I need to take to ensure I get replacement cover?

Using either a LIM report or other council authorised document to calculate the accurate size of your home is considered taking reasonable steps. Guessing the size of the home, or using a measuring tape to try and estimate it, are not considered reasonable steps.

Reasonable steps includes using tools we have provided such as the Cordell Sum Sure Calculator or getting a qualified professional to calculate an accurate sum insured. Taking a guess or relying on your property's CV/market value are not reasonable steps.


What happens if I don't take 'reasonable steps'?

If you have not taken reasonable steps, and at claim time we find the size of the home is wrong and/or it is significantly underinsured, we will settle your claim based on the sum insured.

Do I get a package discount if I insure my home and contents?

Yes, if you take out more than one eligible insurance policy with us, you can qualify for a Multi Policy Discount. Depending on when you take out the policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy.

If you're not sure you qualify, or if you're a Small Business Insurance customer, please contact us and one of our friendly consultants will talk to you through your own unique situation.

You can find out more about our Multi Policy Discount, it's T&Cs and what you need to do to receive it, on our information page.

Do you cover homes that are used for Airbnb or Bookabach?

We may be able to cover you but we'd need to discuss this with you first. Please call us on 0800 500 231 and we'll be happy to assess the appropriate cover for your home.

Time will tell – understanding gradual damage

We’re often asked why some things are covered by insurance while others aren’t, like the damage caused from a leaky tap. So we thought we’d explain it here with a few examples.

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Five landlord tips for rentals

There are more than 550,000* rental properties scattered throughout New Zealand, so it makes sense that as the market grows landlords better understand their rights and responsibilities. With this in mind, AA Insurance has put together a few tips to help make the property investment journey a smoother one.

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*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards