Home Insurance

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Covering you for the unexpected

Fire damage

We'll cover the cost to repair or rebuild your home if it's unintentionally damaged or destroyed in a fire.

Burglary and malicious damage

You'll be covered for damage to your home from a burglary and, if the security of your home is at risk as a result, we'll pay to replace your keys or locks or change your key codes.

Accidental damage

We'll cover the costs to repair or rebuild your home after sudden and unforeseen damage or loss. For example, if a tree falls on your roof, we'll cover the damage to your home.

Sudden water damage

We'll cover the cost of repairs to your home resulting from a sudden event, like a burst pipe causing damage to flooring.

Helping you get back on your feet

Weather damage

We’ll repair or rebuild your home after a storm or flood. We’ll also work with the Natural Hazards Commission Toka Tū Ake (NHC) on NHC's behalf for damage to your land.

Earthquake and other natural hazards

We’ll manage natural hazard claims on NHC’s behalf. Your home will be covered for damage by an earthquake, natural landslide, volcanic activity, tsunami, and hydrothermal activity or fire resulting from any of these.

Full cost of repairs or rebuild

Our benefit allows the full repair, rebuild or replacement of the damaged portion of your home, even if the cost exceeds your sum insured. See our policy wording for full details of cover.

Giving you peace of mind

Hidden water damage

We'll contribute up to $2,000 towards the cost of repairing damage caused by a hidden leak or overflow from a leaking internal pipe, water storage tank or waste disposal pipe that you can't see and couldn't discover immediately.

Cover for minor renovations

We'll cover you for minor renovations and unfixed building materials for renovations under the total value of $75,000.

Optional extra: Excess-free glass cover

Adding Excess-free glass cover to your policy means you won't need to pay an excess if your claim is only for glass damage to your windows, doors, or built-in furniture.

Overview

Cover for the unexpected

We'll help you recover from natural hazards and other damage to your home and contents.

We'll help get you back on your feet

In the event your home is damaged or destroyed by a natural hazard we will repair, rebuild or pay you up to the total sum insured. If your home is damaged in any other event, you may receive more than the sum insured under our .

Temporary accommodation

We will pay reasonable costs up to $20,000 for for you, your family and your pets.

Helping you save

with higher excesses

AA Home Response

24/7 access to expert, reliable tradespeople in of New Zealand. Learn more

More reasons to choose us

Buy, manage, and claim online

New Zealand call centre

Personal Claim Manager

24/7 claims support

Cancel your policy any time

Optional extras

Excess-free glass cover

This means you won't need to pay an excess if your claim is only for glass damage to your windows, doors, or built-in furniture.

Be mindful of

You can check your cover and get an estimate to rebuild your home with this rebuild cost calculator.

This page contains a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply to these policies. Please read the policy document for full details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Customer testimonial

Mike and Sarah's story

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

When one of our customers experienced a devastating house fire, our team acted quickly to support their recovery.

"If we didn’t have insurance, I would be a financial ruin"

FAQs

Are my house keys covered by my home policy?

Yes - we will pay to replace keys or locks, or change key codes if the security of your home is at risk following a burglary, theft, loss of, or the unauthorised duplication of your keys. Read More

Are fences covered by my home policy?

Yes, cover for fences is included in our home policy, depending on how the damage happened. Read More

Does my home insurance policy cover solar panels?

Yes, solar panels that are attached to your home are covered by your home insurance policy. Read More

Does my home policy cover damage caused by trees?

Yes, your home is covered for sudden, accidental and unforeseen damage caused by trees. It’s important to note that we’re unable to cover damage caused by trees gradually rotting over time. Read More

Can I insure a multi-unit dwelling (e.g. townhouse, semi-detached, terraced house)?

We can provide home insurance for multi-unit dwellings in a block of up to 10 homes. Read More

Can I insure my minor dwelling/sleepout?

Yes, you can insure your sleepout. How you use your sleepout will determine what type of policy you need. Read More

Policy documents

Get your policy document online

Additional documents

Looking for your or ? You can request these through My AA Insurance by navigating to the 'Your documents' section under the relevant policy.

Claiming

If you have been in an accident

First, make sure that everyone is safe and out of danger - call an ambulance, the police or other emergency services departments if necessary.

What to do at claim time

Make sure your home is safe and secure

If your home has been damaged, make sure everyone involved is safe and, if you need to, call emergency services. For example, if there has been a theft, burglary or vandalism, or an attempt at these, call the police immediately. Once it's safe to do so, you should make sure your home is secure.

Submit a claim

Report your claim online, and one of our Customer Managers will get in touch within five working days. Or call us on 0800 500 216 if your situation is urgent - it will take about 15 minutes to lodge your claim. Let us know if your home is no longer safe or secure.

We'll get you sorted

A Customer Manager will keep you fully informed about your claim's progress. They will process your claim as quickly as possible, so that you can get back to normal.

Things to keep in mind

What do I need to make a claim?

You will need your policy number, the details of what has happened, and the details of anyone else involved. If you’re the main policy contact you can claim online , otherwise call us on 0800 500 216.

If your home is uninhabitable

If you can't live in your damaged home while it is being repaired or rebuilt, we'll cover the reasonable cost for for you and your family as part of your claim.

Gradual damage

Gradual damage is deterioration to property caused over time. As our policies are designed to cover sudden and unforeseen damage, we don't cover damages such as wear and tear, corrosion, mould, gradual deterioration, or depreciation of your contents. Limited cover is provided for hidden water damage.

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