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Landlord Insurance

Protecting your investment and income is easy with our Landlord insurance. Your rental property is covered for everything from accidental damage to loss of rent. And if you have more than one policy with us, you’ll also receive a great discount.

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Landlord Insurance Policy Benefits

Loss of rent

If your home is accidentally damaged and your tenants can’t live there, we’ll cover the rent up to $20,000 or six months, while we repair the damage to your home.

Cover for retaining walls

We cover retaining walls up to $50,000.

Optional contents cover for Landlords

If your tenanted property is fully or partially furnished, it makes sense you’d want to insure these items as well. So we can also cover your contents for Market Value, up to the value of the Sum Insured amount for your contents.

Optional Extended Cover

Our Extended Landlord Cover offers serious additional protection that’s tailored to properties that are already tenanted.

If your tenants leave without giving notice, we’ll cover up to eight weeks loss of rent. We’ll also pay loss of rent for up to eight weeks if you need to evict your tenants. We will cover up to $20,000 for malicious damage, vandalism or theft by the tenant or their guest. And we‘ll pay up to $30,000 for decontamination and repair as a result of the tenants using or manufacturing illegal drugs, including the costs of discovering the contamination.

Please be aware that this cover only applies if you have a current Tenancy Agreement in place at the time of the event.

Additional benefits for peace of mind:

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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

Latest Policy Document

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

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Frequently asked questions

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Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for eight years running. Earning your trust is one thing. But keeping it is everything.

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We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

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Easy, stress-free claims

One of our Customer Managers will guide you through the entire process. They'll keep you fully informed, making sure things stay on track and hassle-free.

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