A house with a "for rent" sign and a man leading a couple inside

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.

Terms & Conditions apply.

*As voted by consumers 2011-2020 in the Reader's Digest Trusted Brand survey.

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

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.

Find out more
Terms and conditions.

What makes us different?

  • Personal Customer Managers
  • 24 hour claims support
  • Always speak to a real person
  • NZ based call centre

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.

Read more

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.

Read more

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.

Our awards

We put you first

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

Contact us

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

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.