Our Insurance

Manage Policy


Home  /  Home Insurance

Home Insurance

Looking for a house insurance comparison? Calculate your Sum Insured with our home insurance calculator and get a fast home insurance quote. Live a little freer with AA Insurance.

Get a quote Retrieve a quote

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

Home 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 .

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 this can extend the 12 month limit to $40,000.

Replacement of keys or locks

If the security of your home is at risk following a burglary, theft or loss, we’ll pay to replace your keys or locks, or change your key codes.

New building work

Renovating your house? Minor renovations and unfixed building materials for renovations under the total value of $50,000 are covered. See more.

Optional extra

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.

Policy Document

This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy documents.

View Policy Document

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
Changes to Home Insurance Premiums

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

Looking for something more tailored?

View our insurance tailored specifically to landlords and save with our home & contents package .

View our landlord insurance

Home & contents package

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
A great way to improve your home's resale value

In the mid-1990s, Dinah Malyon of DMI Home Stagers saw a gap in the market. So she set herself up as New Zealand’s first full-time home staging company, and now has 15,000 success stories under her belt, with up to 150 homes on the go at any one time.

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