Renters Insurance
Looking for a student or renter's insurance? Get a fast renter's insurance quote from New Zealand's Most Trusted General Insurer. Insure your contents and live a little freer with AA Insurance.
Contents Calculator
Renters Insurance Policy Benefits:
Two levels of cover
Protect the things you value with award-winning contents cover from AA Insurance. With two different types of cover, you can rest easy knowing if something happens we'll sort things out for you. Compare our contents products here.
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.
Market Value
The reasonable retail value of your asset immediately before it was damaged or lost.
Excess-free cover for food spoilage
If you choose our Contents Insurance Policy, we’ll pay up to $1,000 if food is spoiled as a result of your fridge/freezer breaking down, or if your power supply is accidentally interrupted.
If our Limited Contents Insurance Policy suits you better, you're covered up to $500 if food is spoiled as a result of your fridge/freezer breaking down, or if your power supply is accidentally interrupted.
When making a claim for this benefit, you won't need to 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 cover you for any claim they make, up to $2 million.
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, or your Limited Contents Insurance Policy for up to $2,500 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.
Compare the adjustable event limits on our Contents Insurance Policies or contact us to discuss whether you need more cover for any items.
Optional extras
You can choose to add optional extras to your policy giving you greater flexibility and cover that suits your needs. Compare our contents products and optional extras here.
Policy Document
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 DocumentContents Calculator
Use our guide to help you calculate the value of your contents.
Use our contents calculator*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards
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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.
Multi policy discount
Get a Multi Policy Discount when you tell us about more than one eligible policy you have with AA Insurance. Depending on when you take out your policies, your discount will be applied from the start date of a new policy or at the renewal of an existing policy. T&Cs apply.
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.
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 .
Frequently asked questions
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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.
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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 moreWhy choose AA Insurance?
NZ's most trusted insurer
Thanks for voting us New Zealand's Most Trusted General Insurance provider for ten years running. Earning your trust is one thing. But keeping it is everything.
Our awardsWe put you first
We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty.
Contact usEasy, 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