Our gift to you - an AA Home Response subscription: Expert, reliable tradespeople for help in your hour of need

Take out a policy and you'll pay upfront for any callouts but we'll cover the cost of your subscription for the term of this year's policy. AA Home Response is a service provided by AA Home that connects you with qualified, reliable AA Home tradespeople for some home emergencies like a blocked pipe or a gas leak.

Even better, the service is available 24/7, including public holidays and weekends. Find out more and view AA Home Limited’s terms and conditions as well as more information about upgrading to an AA Home Response Plus subscription at aahome.co.nz.

See Terms and Conditions for the service.

Here's your quote

Review the details you provided

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Valid for 30 days from quote creation date

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Estimate pricing only

Fortnightly

Fortnightly Monthly Annual

{value} for the year

Inc. GST & applicable levies. You pay less if you choose to pay annually.

Policy Start Date

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Please note, this price is based on the policy start date you've selected. From 1 July 2026, the Fire and Emergency (FENZ) levy will be changing. Policies starting on or after this date will include the new FENZ levy. Please visit aainsurance.co.nz/levies for more information.

{value} Yearly Inc. GST & applicable levies

{value} Monthly Inc. GST & applicable levies

{value} Fortnightly Inc. GST & applicable levies

Home & Contents Insurance
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Landlord Insurance
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{LocationInput.Locality}, {LocationInput.City} {LocationInput.ZipCode}

Contents Insurance
{detailedAddress}
{LocationInput.Locality}, {LocationInput.City} {LocationInput.ZipCode}

Landlord Insurance
{detailedAddress}
{LocationInput.Locality}, {LocationInput.City} {LocationInput.ZipCode}

Limited Contents Insurance
{detailedAddress}
{LocationInput.Locality}, {LocationInput.City} {LocationInput.ZipCode}

Home Insurance
{detailedAddress}
{LocationInput.Locality}, {LocationInput.City} {LocationInput.ZipCode}

Home & Limited Contents Insurance
{detailedAddress}
{LocationInput.Locality}, {LocationInput.City} {LocationInput.ZipCode}

Our gift to you - an AA Home Response subscription
Learn more

Select from these optional covers

Excess-free glass cover

$69 per year.

Select from the following

Yes

This means you won't need to pay an excess if your claim is only for glass damage to your windows, doors, or built-in furniture.

$100 excess on eyewear

$69 per year.

Select from the following

Yes

This means you’ll pay a reduced excess of $100 if your claim is only for your eyewear. Eyewear includes spectacles, sunglasses, or contact lenses.

Excess-free hearing aid cover

$69 per year.

Select from the following

Yes

This means you won't need to pay an excess if your claim is just for your hearing aids.

Mobile phone cover

$49 per year.

Select from the following

Yes

Cover theft, accidental damage and loss to your mobile phones.

Extended landlord cover

$329 per year.

$299 per year.

Select from the following

Yes

Extra cover to protect you against loss of rent, malicious damage by your tenants and illegal drug decontamination. Monetary limits and exclusions apply. Learn more

Extra cover to protect you against loss of rent, malicious damage by your tenants and methamphetamine decontamination. Monetary limits and exclusions apply. Learn more

You can choose to include the optional benefit of extended landlord cover which includes the following benefits:
Loss of rent if your tenants vacate without notice, or if you lawfully evict your tenants.

Cover for loss or damage caused by malicious damage, vandalism or theft by your tenants or their guests.

Cover for the decontamination and repair of your rental home if it suffers damage as a result of your tenant's use, consumption, storage or manufacture of illegal drugs.

Please refer to the Landlord Insurance policy document for further details and policy limits.

Cover for loss or damage caused by malicious damage, vandalism or theft by your tenants or their guests.

Cover for the decontamination and repair of your rental home if it suffers damage as a result of your tenant's use, consumption, storage or manufacture of methamphetamine.

Please refer to the Landlord Insurance policy document for further details and policy limits.

Laptop and tablet cover

$49 per year.

Select from the following

Yes

Cover theft, accidental damage and loss to your laptops, tablets and notebooks.

Your home's cover

Building sum insured

Adjust the amount you would like to insure your building for.

Building excess

The excess you choose will affect the premium you pay. The higher your excess, the lower your premium.

Other excesses may apply

Your contents cover

Contents sum insured

Type of cover

Contents

Content Limited Contents

Amount

Contents sum insured

Adjust the amount you would like to insure your building for.

Contents event limits: Edit

The limits shown below are the most we will pay for these categories of items per claimable event.

Works of art Help

{value}

Jewellery including watches

{value}

Bicycles excluding accessories

{value}

Bicycles and e-bikes excluding accessories

{value}

All cameras and lenses excluding accessories

{value}

Business tools and professional equipment help

{value}

Works of art

Works of art include pictures, paintings, prints, sculptures, ornaments, tapestries, hand woven mats or rugs.

Business tools and professional equipment

Professional tools and equipment used in connection with a profession, occupation or business, principally to earn income by you or any family member.

Business tools and professional equipment include tools or equipment that:

have been purchased by a business or company, but that you own personally
belong to or are hired by you or any family member
are in your care, custody or control, and for which you are legally responsible.

Business tools and professional equipment do not include business stock or materials, or equipment owned by a company.

What are Adjustable Event Limits?

Contents excess

The excess you choose will affect the premium you pay. The higher your excess, the lower your premium.

Other excesses may apply

Benefits and inclusions

Natural Hazard cover
Temporary accommodation
Up to $2 million legal liability cover
One event, one excess
Buy, manage and claim online

Natural Hazard cover - Home Insurance Policy only
Temporary accommodation
Up to $2 million legal liability cover
One event, one excess
Buy, manage and claim online

Temporary accommodation
Up to $2 million legal liability cover
One event, one excess
Buy, manage and claim online

Natural Hazard cover
Up to $2 million legal liability cover
One event, one excess
Buy, manage and claim online

Discounts and Promos

AA membership discount Terms & Conditions apply

{value} Promo Terms & Conditions apply

Add a promo code

Save and email quote

Select from the following

Additional excesses

The following excesses only apply under certain circumstances, and are in addition to your standard excess:

Unoccupied excess

$1,000

This applies when you claim for loss or damage to your house or contents, if your house has been unoccupied for longer than 60 days.

Additional excesses

The following excesses only apply under certain circumstances, and are in addition to your standard excess:

Unoccupied excess

$1,000

This applies when you claim for loss or damage to your house or contents, if your house has been unoccupied for longer than 60 days.

Natural hazard excess

$5,000

This applies if you claim for areas of your home not otherwise covered by NHCover.

Add a promo code

Promo Code

Sorry, this is not a valid promo code.

Policy details

Occupancy Type: {value}

Product Selection: {policy.line.riskGroup.rows[0].riskGroupInput$productType.optionValue}

Building Details

Insured Address: {value}

Building Type: {policy.line.riskGroup.rows[0].propertyAssetDetailsInput$buildingType.optionValue}

Security Features: {policy.line.riskGroup.rows[0].contentsRisk.rows[0].contentsRiskDetailsInput$securityFeatures.optionValue}

Policy details

Occupancy Type: {value}

Home Situation: {policy.line.riskGroup.rows[0].propertyRiskGroupDetailsInput$homeOwnerOccupierType.optionValue}

Mortgage: {policy.line.riskGroup.rows[0].propertyRiskDetailsInput$mortgaged.value}

Product Selection: {policy.line.riskGroup.rows[0].riskGroupInput$productType.optionValue}

Building Details

Insured Address: {value}

Building Type: {policy.line.riskGroup.rows[0].propertyAssetDetailsInput$buildingType.optionValue}

Wall Type: {policy.line.riskGroup.rows[0].propertyAssetDetailsInput$externalWallType.optionValue}

Roof Type: {policy.line.riskGroup.rows[0].propertyAssetDetailsInput$roofType.optionValue}

Construction Year: {value}

Security Features: {policy.line.riskGroup.rows[0].contentsRisk.rows[0].contentsRiskDetailsInput$securityFeatures.optionValue}

Levels of Home: {policy.line.riskGroup.rows[0].propertyAssetDetailsInput$numberOfLevels.optionValue}

Number of Covered Car Spaces: {value}

Outbuilding Features: {value}

Building Size: {policy.line.riskGroup.rows[0].propertyAssetDetailsInput$buildingSize.value} square metres

Save this quote

Email address

Your email has been sent.

We'll email your quote to you and a link to retrieve it. We may also send you reminders. Please keep your quote details secure.

Edit your details

To change this, we need to take you where you entered this.

Simply, click 'continue' and we'll take you there. Then follow the prompts to get back to your online quote.

Policy start date changed

Your originally chosen policy start has now passed.

We have updated your policy's start date to today's date but you can choose a new date. We will recalculate your insurance price based on your new start date.

Sorry, we're not able to give you cover

We’re unable to offer insurance based on your answers for this quote.

Reason

Due to the value of your home's sum insured, we're unable to offer a Home Insurance Policy.

If you think you have answered incorrectly, you can go back and revise your answers.

We need a bit more information to proceed with your quote

Reason

Due to the value of your contents sum insured, we're unable to proceed online.

What to do next

Please give us a call on 0800 500 231 and provide your Quote Number: {quoteNumber} so one of our Sales & Service Specialists can help you.

If you think you have answered incorrectly, you can go back and review your answers.

We need a bit more information to proceed with your quote

Reason

Due to the value of your home's sum insured, we're unable to offer a Home Insurance Policy. We may be able to offer you a quote for Contents or Limited Contents Insurance.

What to do next

Please give us a call on 0800 500 231 and provide your Quote Number: {quoteNumber} so one of our Sales & Service Specialists can help you.

If you think you have answered incorrectly, you can go back and review your answers.

Business tools and professional equipment

Professional tools and equipment used in connection with a profession, occupation or business, principally to earn income by you or any family member.

Business tools and professional equipment include tools or equipment that:

have been purchased by a business or company, but that you own personally
belong to or are hired by you or any family member
are in your care, custody or control, and for which you are legally responsible.

Business tools and professional equipment do not include business stock or materials, or equipment owned by a company.

What are Adjustable Event Limits

If you own contents worth more than the limits set out in the table on this page, you can insure each category of items for a value that you specify. If you don't specify categories of items that you would like insured, the most we will pay is the limit shown in the table.

There are some contents that have fixed event limits or no cover. For full details, exclusions and limitations, please read the policy document.

Extended landlord cover

You can choose to include the optional benefit of extended landlord cover which includes the following benefits:

Loss of rent if your tenants vacate without notice, or if you lawfully evict your tenants

Cover for loss or damage caused by malicious damage, vandalism or theft by your tenants or their guests

Cover for the decontamination and repair of your rental home if it suffers damage as a result of your tenant's use, consumption, storage or manufacture of illegal drugs.

Please refer to the Landlord Insurance policy document for further details and policy limits.

Works of art

Works of art include pictures, paintings, prints, sculptures, ornaments, tapestries, hand woven mats or rugs.

Types of cover

Contents

Comprehensive cover for your contents if they are lost or damaged.
You can add optional extras for hearing aids and eyewear.

Limited contents

Cover is reduced to burglary, fire, storm, flood and natural disaster only.
You can add optional extras for mobile phones and laptops.

Estimate pricing only

Depending on your total premium and the number of payments in your policy term, your instalment payments may be different from what's quoted. Once your policy is set up, we'll send you an instalment schedule outlining all payment dates and amounts.