Contents insurance
Choose a level of cover that gives you the protection you need at a price that suits you.
Advanced Contents
HIGHEST LEVEL
Have the certainty that most of your household items will be repaired or replaced no matter how old they are.
This is also known as 'new for old'.
- Most items are insured for repair or replacement
- Up to 10% discount if you live in an apartment.
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Premier Contents
MEDIUM LEVEL
A cheaper plan with the flexibility of a lower level of cover. This policy will repair or replace most major household items under 10 years old and most furnishings under 5 years old.
- Furniture and home appliances under 10 years old are insured for replacement value
- Other items are insured for market value
Get more benefits with AMI contents insurance
AA- strength rating
We have an AA- strength rating. This means we have a ‘Very Strong' claims paying ability.
Compare contents insurance options
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Cover for your household contents from theft, fire, storm or flood - both in your house or when temporarily removed within NZ
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Household contents cover for items owned by you and your immediate family who reside with you, or your children at boarding school
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Household contents cover for your immediate family while they are studying at a tertiary institution and living away from home. Limits and exclusions apply to situations other than accommodation provided for and by the school^
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Temporary accommodation costs for up to 12 months, up to 25% of your sum insured
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Earthquake top-up cover
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Personal liability if you damage someone else's property up to $1,000,000 |
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Accidental damage
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Cover for jewellery or watch up to $3,000 per item, up to $15,000 in total |
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Cover for business equipment up to $1,500 |
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Cover for canoes and small watercraft worth up to $500 |
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Storage after loss up to $2,000 |
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Credit card, debit card illegal use cover illegal use of credit card up to $1,000 |
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Money and vouchers cover up to $250 for cash |
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Key and lock cover up to $500 |
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Bike cover Optional extra |
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Policy document
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Exclusions and limitations apply. Talk to us about these or refer to the full policy document.
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Find out more |
*Repair or replacement on most household items and market value cover for clothing and footwear, household linen, bikes, sports and camping equipment, carpets over 10 years old, your jewellery or watch (limited to $3,000 per item if not specified) and computer software.
**Repair or replacement cover for many items under 10 years old including furniture, TV, video, DVD and stereo, electrical appliances, kitchenware, computer hardware, lawnmower and tools. Repair or replacement cover for items under 5 years old including carpets and curtains, spectacles, dentures and hearing aids. Market Value cover for major household items over 10 year old, carpets, blinds and curtains over 5 years old, clothing and footwear, bikes, jewellery and more.
***Market value for all household contents.
^You are not covered for loss or damage arising from the household contents being: a. stolen, unless the theft follows forceful and violent entry to any building, or b. lost or misplaced. The most we will pay for any event is: a. $1,000 for any one item of contents, and b. $5,000 in total. Click here for more infromation.
