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Home and contents insurance provides a safety net that helps alleviate the financial and emotional stress associated with the loss of valuable assets. Canstar reviews AA Insurance’s home and contents cover.

What’s on offer from AA insurance?

AA Insurance's home and contents insurance can either be purchased separately as home insurance or contents insurance, or can be bundled together in a home and contents insurance package. 

What’s on offer from AA Insurance’s home insurance?

AA Insurance’s Home & Contents Insurance cover includes:

  • If your home is damaged or destroyed by a natural disaster, AA Insurance will repair, rebuild or pay you up to the total sum insured. If your home is damaged in any other event, you may receive more than the sum insured under its replacement cover
  • Up to $20,000 for temporary accommodation your family, including pets
  • New-for-old cover on your possessions
  • Replacement of locks and keys if the security of your home is at risk following a burglary, theft or loss
  • Up to $2000 of hidden water-damage cover
  • Legal liability cover up to $2 million
  • AA member discount
  • Pay only one excess on claims across multiple policies for a single event
  • AA Insurance’s Home Response provides around-the-clock access to trusted tradespeople across the country

What’s on offer from AA Insurance’s contents insurance?

AA Insurance offer two levels of contents insurance:

Contents insurance:

  • Accidental damage cover
  • Cover for fire/theft/flood/natural disaster
  • New for old replacements
  • $2m liability cover
  • Temporary accommodation
  • NZ-wide cover, plus for children away at school
  • One event, one excess
  • Excess-free spoiled food
  • Business tools/equipment

Limited contents insurance:

  • Cover for fire/theft/flood/natural disaster
  • New for old replacements
  • $2m liability cover
  • Temporary accommodation
  • NZ-wide cover (not for accidental damage)
  • One event, one excess
  • Excess-free spoiled food
  • Business tools/equipment

About AA Insurance

AA Insurance is an independently operated, New Zealand-based joint venture between the New Zealand Automobile Association (NZAA) and Vero Insurance New Zealand Limited (VINZL). AA Insurance underwrites its own policies and sell direct to New Zealanders.

NB: This is only a summary of key benefits. Application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please refer to the AA Insurance website.

Bruce Pitchers is Canstar's NZ Editor. An experienced finance reporter, he has three decades’ experience as a journalist and has worked for major media companies in Australia, the UK and NZ, including ACP, Are Media, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. As a freelancer, he has worked for The Australian Financial Review, the NZ Financial Markets Authority and major banks and investment companies on both sides of the Tasman.
In his role at Canstar, he has been a regular commentator in the NZ media, including on the DrivenStuff and One Roof websites, the NZ Herald, Radio NZ, and Newstalk ZB.
Away from Canstar, Bruce creates puzzles for magazines including Woman’s Day and New Idea. He is also the co-author of the murder-mystery puzzle book 5 Minute Murder.