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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Key policy features

  • Replacement cover

    We’ve introduced Replacement Cover to give you greater peace of mind. In an event other than a natural disaster, we’ll use Replacement Cover to rebuild your Rental Home, even if it costs more than your Sum Insured.

  • Contents cover

    If your rental property is fully or partially furnished, you can cover its contents as well, up to the value of your sum insured amount.

  • Extended cover options

    Get extra protection to cover tenants leaving without notice, as well as evictions, intentional or malicious damage and damage from illegal drug contamination.

  • Better cover for retaining walls

    We cover retaining walls up to $50,000.

  • 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. 

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Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.



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Landlord insurance benefits:


Replacement Cover

We appreciate that calculating an exact Sum Insured for your Rental Home can be stressful. To help eliminate some of this stress, we’ve introduced Replacement Cover. 

In an event other than a natural disaster, we’ll use Replacement Cover  to rebuild your Rental Home even if it costs more than the Sum Insured. To receive Replacement Cover, you must have taken reasonable steps to provide us with the accurate size of your Rental Home and calculate an accurate Sum Insured, prior to the loss.

If you'd like to find out more, have a look at the Home Insurance section of our FAQs page.


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.


Extended Cover option

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.


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.


Your Personal Customer Manager

They’ll look after you when you make a claim, ensure you’re fully informed, and make sure things stay on track and hassle-free.


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.


Award-winning service

We are proud to be the winner of the Canstar Blue Most Satisfied Customer Awards for home and contents insurance in 2013, 2014, 2015 and 2016.

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 aainsurance.co.nz/terms.


home insurance policy

Landlord Policy Document

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


If you already have Landlord insurance with us and you’d like a copy of your policy – including the latest updates - we can send it you.

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Not ready to switch your insurance just yet?

Let us know when you may be ready to switch, and we can get in touch when the time is right for you.

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NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.