Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one.
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.
Grab a $50 Prezzy® card from NZ’s Most Trusted General Insurer*.
Don’t miss out! Get yours today with every new Home, Car, Contents or Small Business policy. Offer ends 11 November 2020.
*As voted by consumers 2011-2020 in the Reader's Digest Trusted Brand survey.
Landlord Insurance Policy Benefits:
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 your rental property is fully or partially furnished, or you need cover for curtains or unfixed appliances, we will pay the cost to repair your contents or the Market Value (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.
Our 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.
*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards
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.
What makes us different?
Helping you save
Frequently asked questions
If you can't find the answer you're looking for, please contact us.
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.
Why choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten years running. Earning your trust is one thing. But keeping it is everything.
We put you first
We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.
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.
One event, one excess
Lower your premiums with higher excesses
With our excess options on your home and contents 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.
Multi Policy Discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
AA Member discounts
Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount. Simply provide your personal AA Membership number each time you take out or renew an eligible policy.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
Sum Insured
Sum Insured is the maximum amount we’ll pay for the rebuild of your home unless we choose to settle your claim under Replacement Cover. It includes any features like swimming pools, fences, sheds and paving. You can discuss the value with us at any time. By paying your premium, you have accepted the Sum Insured.
Market Value
The amount necessary to replace the item in New Zealand with an item that is of equivalent age and capability, with due allowance for wear, tear, depreciation and prior maintenance.
