AA Insurance Home & Contents Insurance
What’s on offer with AA home and contents 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.
Click below to see how AA Insurance’s home and contents insurance compares to other providers’ offerings.
What’s on offer with AA Insurance’s Home Insurance?
This policy includes Replacement Cover, unless the damage to your home is caused by a natural disaster. Replacement Cover essentially protects you against the cost to rebuild or repair your house. As well as this, you will be covered for temporary accommodation if your house is damaged to the extent it is uninhabitable. You, your family and pets may be eligible for up to 12 months of accommodation. This is usually limited to $20,000, however if you’re claiming as a result of an earthquake or tsunami this could be extended past the 12-month limit, up to a maximum of $40,000.
You’re eligible for replacement of keys and locks if the security of your home is at risk following a burglary, theft or loss. Minor renovations and unfixed building materials for renovations under the total value of $75,000 are also covered. At an extra cost, you can add Excess-Free Glass Cover, meaning you don’t need to pay an excess for damage caused to windows, doors and built in furniture.
What’s on offer with AA Insurance’s Contents Insurance?
AA Insurance offer two levels of contents insurance – Contents Insurance and Limited Contents Insurance.
AA Insurance’s Contents Insurance Policy replaces most items that have been lost, stolen or damaged, with the nearest equivalent if they cannot be repaired, and if there is not a suitable replacement will be settled at market value. With this policy, you will be covered for the cost of personally owned business tools and professional equipment, in the event they need to be replaced. There is cover up to $3,000 per event, however, you can choose to increase the limit if it is required.
The policy also offers two optional benefits for an additional cost, Excess-Free Hearing Aid Cover and $100 Excess on Eyewear. It also includes excess-free cover for food spoilage – up to $1,000 – when a fridge or freezer stops working, the power supply was accidently disconnected or there was a power surge.
What’s on offer with AA Insurance’s Limited Contents Insurance?
This policy provides basic cover to protect your contents against burglary, fire, storm, flood and natural disaster. Most items will be replaced with the nearest equivalent if they cannot be repaired and if there is not a suitable replacement will be settled at market value. With this policy, you can add Mobile Phone Cover and Laptop and Tablet Cover for an additional cost. This will give you cover for theft, accidental loss or damage for these items.
This policy also includes excess-free cover for food spoilage – up to $500 – when a fridge or freezer stops working, the power supply was accidently disconnected or there was a power surge.
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). Since 1994, AA Insurance has demonstrated trusted expertise in home, contents and car insurance in New Zealand, and in 2018 introduced commercial small business insurance. AA Insurance underwrites its own policies and sell direct to New Zealanders. Its 860 staff look after almost 470,000 customers with 930,000 policies.
*This is only a summary of key benefits. Application for cover is subject to Underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
Home Insurance | Contents Insurance | Limited Contents InsuranceView the 2021 Home & Contents Insurance Star Ratings