Our Insurance

Manage Policy


Home  /  Home and Contents Package

Home and Contents Insurance Package

Looking for a house and contents insurance comparison? Get a combined Home & Contents Insurance quote from New Zealand's Most Trusted General Insurer. Live a little freer with AA Insurance.
Contents Calculator
Calculate building sum insured

Get a quote Retrieve a quote

Voted Most Trusted General Insurer* by NZers for 10 years running

Home and Contents Insurance Policy Benefits:

Replacement Cover

If you have taken steps to set an accurate Sum Insured 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 .

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.

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 we can extend the limit.

Optional extras

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. See more.

$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.

Sum Insured Calculator

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

Use our Sum Insured Calculator
Find out more about Sum Insured

Contents Calculator

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

Use our contents calculator

Policy Documents

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 Home Insurance Policy Document
View Contents Insurance Policy Document

Ready to get started?

Getting a quote only takes 5-10 minutes. Get a quote

*As voted by consumers 2011 – 2020 in the Reader’s Digest Trusted Brands survey. For more information visit aainsurance.co.nz/awards

What makes us different?

Personal Customer Managers

24 hour claims support

Always speak to a real person

NZ based call centre

Helping you save

One event, one excess

Multi Policy Discount

AA Member discounts

Lower your premium with higher excesses

Frequently asked questions

If you can't find the answer you're looking for, please contact us.
View all FAQs
Renovating is 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.

Read more
Time will tell – understanding gradual damage

We’re often asked why some things are covered by insurance while others aren’t, like the damage caused from a leaky tap. So we thought we’d explain it here with a few examples.

Read more

Why 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 awards

We put you first

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

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
Get a quote