Score a $50 Prezzy® card with Renters Insurance.

Don't get caught off-side by one of life's little mishaps. We're here to cover the possessions that are important to you, so that you can cheer on your favourite team with no worries.

Plus, you’ll score a $50 Prezzy® card with every new Contents Insurance policy taken out with us by 9 October 2019.

This winning offer can also be applied to every new Home or Small Business policy.

Use Promo Code: SCORE

And of course, a winning offer like this has some Terms and Conditions.

Score a $50 Prezzy® card

with every new Home, Contents, Landlord or Small Business policy.

T&Cs apply. Offer ends 9 October 2019. Use Promo Code: SCORE. 

Don't get caught off-side by one of life's little mishaps. We're here to cover what matters most to you, so that you can cheer on your favourite team with no worries. 

 

Renters Insurance

Looking for a student or renter’s insurance comparison? Use our Contents Insurance Calculator to get a fast renter's insurance quote from New Zealand's Most Trusted General Insurer. Live a little freer with AA Insurance.

Contents Calculator

Renters Insurance Policy Benefits:

New for old

If something you own is stolen, lost or damaged beyond repair - we'll replace your item with a new one or with the nearest available equivalent.

While most items will be covered by new for old cover, certain items such as clothing, footwear and cosmetics, or those items which don’t have a suitable replacement item available, will be settled at the Market Value.

Excess-free cover for food spoilage

We’ll pay up to $1,000 where food is spoiled due to your fridge/ freezer breaking down, or if your power supply is accidentally interrupted. You won’t need to even pay your excess if there is no other damage.

Legal liability

If you accidentally damage someone else’s property, such as breaking a vase in a store – we’ll protect you against any claim they make, up to $2million.

Business tools and professional equipment

If you have business tools and professional equipment but don't require additional business cover, these are automatically covered under your Contents Insurance Policy for up to $3,000 per event.

Need more cover than this? No problem. Just tell us how much cover you need, and we can adjust your limit. 

Adjustable event limits

You don’t need to list individual items, but you might need to tell us the total combined value for things like jewellery, cameras, bicycles, works of art and business tools.

Check our Contents Insurance Policy document or contact us to discuss whether you need more cover for any items.

Optional extras

$100 Excess on Eyewear

You can choose to reduce your excess to $100 if you need to make a claim for spectacles, sunglasses or contact lenses. 

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

Use our guide to help you calculate the value of your home contents.

Use our contents calculator

Get a quote

Promo Code: SCORE applied

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Get  multi policy discount

Take out more than one policy with us (even two of the same type) and you'll save with our Multi Policy Discount, as well as enjoy the convenience of having all your policies in one place. 

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.

Five tips for renters to take the stress out of renting

The term ‘generation rent’ highlights the fact that 30 per cent of all Kiwis are now renting, many because they’re unable to afford to buy a home of their own. As the market grows, it therefore makes sense for tenants to better understand their rights and responsibilities. 

Read more

Contents insurance for beginners

Price is often a motivating factor for choosing contents insurance, but the cheapest may not be the best for your circumstances.

Read more

We've got you covered.

Replacement Cover so in any event other than a natural disaster, we'll fully repair or rebuild your home even if it costs more than you insured it for.1

Temporary Accommodation for you and your family (and even your pets) if you can't live in your home because of an event that's covered by your policy.

Get a quote

Promo Code: SCORE applied.

Landlord Insurance

Replacement Cover so in any event other than a natural disaster, we'll fully repair or rebuild your home even if it costs more than you insured it for.1

Loss of rent if your tenants can't live in your rental home, we’ll cover the rent up to $20,000 or 12 months while we repair your property.3

Get a quote

Promo Code: SCORE applied.

Straightforward and simple to get a quote and immediate cover over the phone from one of our Small Business Insurance specialists.

Change as your needs do so it's easy to amend your policy when you need more or less cover.

Call now on 0800 500 231

Mention Promo Code: SCORE

Don't just take our word for it.

We like to think we give our customers the best possible service. But it’s even better when others think that too. That's why we're proud that New Zealanders have voted us Most Trusted General Insurer for nine years running. Earning your trust is one thing. But keeping it is everything.

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1 In any event other than a natural disaster, we have the option to fully rebuild your home even if it costs more than your Sum Insured. You must have taken reasonable steps to provide us with the accurate size of your home and an accurate Sum Insured, prior to the loss.
2 AA Insurance can settle your contents claim in a number of ways. It can provide New for Old replacement on items damaged beyond repair or lost. This benefit excludes clothing, footwear and cosmetics for which you will be paid the Market Value (as defined in the policy terms).
3 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.

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.

1 In any event other than a natural disaster, we have the option to fully rebuild your home even if it costs more than your Sum Insured. You must have taken reasonable steps to provide us with the accurate size of your home and an accurate Sum Insured, prior to the loss.

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.

2 AA Insurance can settle your contents claim in a number of ways. It can provide New for Old replacement on items damaged beyond repair or lost. This benefit excludes clothing, footwear and cosmetics for which you will be paid the Market Value (as defined in the policy terms).

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.

3 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.


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.

 

One event, one excess

Have more than one policy with us and have an accident, you'll only pay one excess - the highest applicable one. 

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.

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. 

AA Member discounts

Exclusive to AA Insurance! AA Member Discounts are dollar discounts that save you money every year on your insurance. The longer you've been an AA Member, the better the discount.

See how much you could save

Become an AA Member

Market Value

The reasonable retail value of your asset immediately before it was damaged or lost.