Kinda need Contents insurance?
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
Get a quote
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
Renters Insurance
Up to $10,000 worth of cover
Ideal when you don’t have heaps of stuff, but still want our highest level of contents cover.
- Get up to $10,000 worth of cover for no more than $32 a month for the first year*
- Repair or replacement for most things^
- Student Multisaver benefit if you take out Young Drivers insurance too
^Repair or replacement on most household items, including jewellery or watch (limited to $3000 per item if not specified) and market value cover for clothing and footwear, household linen, bikes, sports and camping equipment, carpets over 10 years old, computer software and related media, items that you choose not to have replaced and remotely piloted aircraft over 2 years old.
*Price is based on AMI Advanced Contents cover with $10,000 sum insured and an excess of $500. Changing your sum insured, excess, or adding optional extensions to cover will alter the price.
Get more benefits with AMI contents insurance
Multi Policy Discount
Save when you take out contents insurance along with another eligible insurance policy with AMI.
One incident, one excess
If you need to claim on multiple AMI policies insured at the same address, for the same incident, you’ll only need to pay one excess, the highest applicable excess.***
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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Natural disaster 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. Find out more about cover for your child while they are living away from home.
***Includes House, Contents, Private Motor Vehicle and Pleasurecraft policies. The excess applied will be the highest excess under the affected policies. Except in a collision between insured vehicles, in which case it will be the excess of the vehicle driven by the most at fault driver.
New for old
Our highest level of cover, Advanced contents, has 'new for old' which allows for the repair or replacement of almost any household item, no matter how old it is.
Contents checklist
The contents sum insured calculator makes it easy for you to check your cover.
Contents Sum Insured Calculator
Make sure your special items are covered
Just provide us with a list of any special items that you want to be included in your cover - such as works of art, antiques, jewellery, valuable collections or expensive equipment.
