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.

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AA Insurance - Landlord Insurance
Readers Digest Most Trusted General Insurer 2011-2019

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.

Readers Digest Most Trusted General Insurer 2011-2019

Landlord Insurance Policy Benefits:

Replacement Cover

If you have taken steps to set an accurate Sum Insured 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 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.

View Policy Document

Our Free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.

Use our Sum Insured Calculator

Find out more about Sum Insured

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What makes us different?

  • Personal Customer Managers
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  • Always speak to a real person
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Frequently asked questions

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


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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 nine years running. Earning your trust is one thing. But keeping it is everything.

Our awards

We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.

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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.

Making a claim with us

One event, one excess

Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one. 

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 take out any two, or more, policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. 

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.

See how much you could save

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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.

More about Sum Insured home insurance

Free Cordell Sum Sure Calculator

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.