Get a $200 digital Visa card1 for choosing to buy a new Home and contents policy online. See offer details.
Natural hazard damage cover if your home or contents is damaged in events like earthquakes, landslides, storms, or floods.
Hidden gradual damage cover for damage to your home or contents caused by water leaking from internal plumbing (up to $3,000 a year).
Temporary accommodation for you, your family and your pets if you and your household can’t live in your home due to something we cover (up to $30,000).
Repair or rebuild costs for your home if it’s destroyed by non-natural hazard fire and qualifies for ‘Replacement cover’, even if the cost is more than your home sum insured.*
Repair or replacement for most things if your belongings get accidentally lost, damaged or stolen.
Travel cover for your and your family’s belongings while in Australia or the South Pacific Islands up to $5,000 per trip (max. 3 weeks long).
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
*To qualify, you'll need to choose a sum insured that is equal to or greater than the estimate provided by the Cotality Sum Sure calculator. Or, if your home is worth over $1.5 million, a licensed property valuer.
We’ve been protecting New Zealanders for over 100 years. Over 700,000 Kiwi trust us to be on their side.
Claim, pay your premium, or make updates via our AMI app. It’s quick, easy and personalised to you.
Get back on your feet faster with AMI HomeHub, our first-class home repair service. Enjoy a seamless experience with your own project coordinator and more.
Award-winning insurer recognised for outstanding value, quality service, and an exceptional claims experience.
Select cover option
Up to $30,000
Up to $3,000 per year
Up to $2 million
Up to $5,000 per trip
(max. 3 week trip)
Up to $500 a year
Up to $50,000
(higher limit available)
$2,000
Up to $30,000
Up to $3,000 per year
Up to $2 million
Up to $5,000 per trip
(max. 3 week trip)
Up to $500 a year
Up to $50,000
(higher limit available)
$2,000
This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording.
Note: If you already have a policy with us, you may have a different policy wording to the PDF above. Check your policy details, then find your policy wording on our policy documents page.
The Cotality Sum Sure calculator is an independent tool to help calculate an estimate for the rebuild cost of your home. Read the T&Cs for more information about the estimate.
The Sum Insured Pty Ltd calculator is an independent tool to help calculate the total value of your things room-by-room. Read the T&Cs for more information about the estimate.
You have limited cover for your household contents while they are being permanently removed from your house to either:
We will pay for loss or damage that is caused directly by:
We will pay the difference between the amount recoverable from any carrier and the amount of your claim.
See Full Policy wording
From time to time we all buy new things and replace the old.
So it's a good idea to review your insurance each year to make sure the amount you're covered for is sufficient to replace your contents, if you were to lose everything.
A good time to do this is when we send you your policy renewal documents, reminding you of what you're covered for. For help checking the value of your contents, see the Contents Sum Insured calculator here.
To increase your sum insured please call us on 0800 100 200.
Your policy only covers your belongings and those of any family members who permanently live with you.
Your boarder or flatmates will need their own contents policies.
For more information, please give us a call on 0800 100 200.
Your home chattels are covered under either your house or contents policies.
If the chattels are fixed - such as a wall oven, heat pump, built-in dish drawers or a plumbed in fridge - they're covered under your house policy. If the chattels are removable - such as a washing machine or television - they're covered under your contents policy.
Your house policy covers fitted floor coverings (including glued, smooth edge or tacked carpet and floating floors) whereas the contents policy covers any loose floor covering including mats, rugs, runners, or any carpet that is not glued to the floor.
For more information call us on 0800 100 200.
We cover permanently constructed retaining walls within your property’s boundary under Home Insurance and Landlord’s Home Insurance policies.
If your retaining wall gets damaged, we’ll pay to repair or replace it up to the policy limit. If your retaining wall is worth more than the policy limit, you can add it to your policy as a special feature with its own sum insured.
Check your policy wording to see how retaining walls are covered. For more information, please give us a call on 0800 100 200 or chat to us on Facebook.
1Digital Visa card promotion ends 11.59pm 30 September 2026. Applies to new Home and contents policy bought online only. T&Cs apply. Card issued by Oxygen Global NZ Limited. Learn how to activate and spend your digital Visa card.