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Voted Most Trusted General Insurer by New Zealanders for 13 years running
Landlord Insurance Policy Benefits:
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.
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.
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Frequently asked questions
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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.
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.
*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards