Home Insurance

Looking for a house insurance comparison? Calculate your sum insured with our home insurance calculator and get a fast home insurance quote. Live a little freer with AA Insurance.

Voted Most Trusted General Insurer* by NZers for 12 years running

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Home Insurance Policy Benefits:

  • Replacement cover

    If you have taken steps to set an accurate 

     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.

  • Temporary accommodation

    If your home becomes uninhabitable as a result of an event covered by your policy, we will pay the reasonable costs of alternative accommodation for you, your family and your pets. This is usually limited to $20,000 and for 12 months, however if you’re claiming as a result of an earthquake/tsunami this can extend the 12 month limit to $40,000. 

  • Replacement of keys or locks

    If the security of your home is at risk following a burglary, theft or loss, we’ll pay to replace your keys or locks, or change your key codes.

  • New building work

    Renovating your house? Minor renovations and unfixed building materials for renovations under the total value of $75,000 are covered. 

Optional extra

  • Excess-free glass cover

    Adding excess-free glass cover to your policy means you won’t need to pay any excess if a claim is made on glass for windows, doors, and built-in furniture. 


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.

The free Cordell Sum Sure Calculator will help you work out an estimated rebuild cost.

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Getting a quote only takes 5-10 minutes.

AA Home Response
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 moreTerms and conditionsAA Home Response

What makes us different?

  • Personal Customer Managers

  • 24 hour claims support

  • NZ based call centre

Looking for something more tailored?

View our insurance tailored specifically to landlords and save with our home & contents package

View our landlord insuranceHome & contents package

Frequently asked questions

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

Renovating's a great idea but what about your contents? 

You’ve made a start on the reno, and have just added up the cost of all those big ticket items you’ve installed. Now you’re wondering how to protect them while the work is still underway.

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A great way to improve your home's resale value

In the mid-1990s, Dinah Malyon of DMI Home Stagers saw a gap in the market. So she set herself up as New Zealand’s first full-time home staging company, and now has 15,000 success stories under her belt, with up to 150 homes on the go at any one time.

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*As voted by consumers 2011 – 2022 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards