AA Insurance Home & Contents Insurance

Insurer of the Year | Home & Contents

AA Insurance is the winner of Canstar’s Insurer of the Year | Home & Contents Award 2023.

AA Insurance’s win comes as the insurance industry reassesses individual policy holder risk. Instead of averaging out risks across wide areas, insurers are now assessing customers on a street-by-street basis. This change in risk profiling is a result of recent natural disasters and the increasing threat of climate-related events.

In awarding our Insurer of the Year award, our research panel noted AA Insurance’s “strong performance across all consumer profiles” and that it offers “a high level of cover at a competitive premiums”. AA Insurance’s customers also report “strong satisfaction across a range of factors, including value for money, communication and comprehensiveness of cover”.

What’s on offer from 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.

Compare Home & Contents Insurance with Canstar

What’s on offer with 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
• Range of discounts, including multi-policy discount and 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 with 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). 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.

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.