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House Insurance

Your home is your most valuable asset. It’s important you have the home insurance that best suits you. If you insure your home with AA Insurance, you’ll get these great benefits.

Most trusted brand and canstar awards

House Insurance Policy Benefits:

Replacement Cover

We appreciate that calculating an exact Sum Insured, enough to cover your home, can be stressful. To help eliminate some of this stress, our Home Insurance includes Replacement Cover. In an event other than a natural disaster, we now have the option to fully rebuild your home, even if it costs more than your Sum Insured.

Stress-free claims with Customer Managers

Nothing is worse than being passed around a call centre when you need to make a claim. That is why we do things differently, if you need to make a claim our Customer Managers look after you and your claim.

Lower your premiums with a higher excess

House insurance premiums can be expensive, so to help you manage the cost you can opt for a higher excess that you only pay if you make a claim, in exchange for a lower insurance cost.

Award winning cover

We’ve won Readers Digest Most Trusted General Insurer six years in a row, and the Canstar Blue Award for Most Satisfied Customers for Home and Contents Insurance for 2013, 2014, 2015 and 2016*

Sum Insured

Our home insurance policies are based on the Sum Insured amount that you choose. Your Sum Insured should be the amount it would cost to completely rebuild your house, including all external features such as swimming pools, fences, sheds and paving as outlined in the policy.

More about Sum Insured

Free Cordell Sum Sure Calculator: this provides estimated typical building replacement costs.

Latest Policy Document

Want to know more about our House Insurance policy? Read the full policy document online. 

Download PDF

Ready to get started?

Getting a quote only takes 5-10 minutes.

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

* This is general information and is not a recommendation, opinion or guidance on the Sum Insured that is appropriate for any of our customers. Nor does this information provide any advice or opinion on the extent or adequacy of the cover provided by Sum Insured insurance. This information is not personalised financial advice and does not take into account the particular situation of our customers. Customers must make their own decision on the Sum Insured that is appropriate for their circumstances.

Why Choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's Most Trusted General Insurance provider for seven 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. Just one reason why we have NZ's most satisfied customers.

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