House Insurance From your first home to your dream
home, we’re with you all the way

AMI has been protecting Kiwis for over 90 years. We're one of New Zealand's most trusted insurers, receiving the Reader's Digest Highly Commended Trusted Brand award for eight years running.

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On your side with these great benefits

Our Premier House and Landlord insurance have plenty of perks to give you peace of mind:

Pay only one excess when claiming on multiple policies for a single incident at the same address.

Temporary accommodation for you, your family, and your pets if you need to be evacuated from your home1.

Expert team available to help 7 days a week, plus you can claim online and over the phone.

We’ve got an AA- financial strength rating, which is your reassurance we’ve got a very strong claims paying ability and will be there for you should you need us.

Natural disaster cover for earthquakes, natural landslips, hydrothermal activity, tsunami, natural fires, and volcanic activity.

Multisaver discount for Car, Home, Contents and Boat cover2.

Get a quote & buy online
Or call us on 0800 100 200

  1. For up to 12 months with a maximum of $20,000, if customers need to be evacuated of an impending peril covered by the policy. Also, this cover is not available under Premier Rental Property.
  2. Discounts apply to the company premium before optional extensions, levies and GST are factored in. They may reduce or not apply if your premium is below our minimum policy price. If you get two or more discounts, we may choose to apply each discount one after another.

Compare our award-winning insurance options

Repair or replacement up to Sum insured amount
Sudden and accidental loss
Temporary accommodation
Hidden gradual damage
Personal liability for damage to someone else’s property
Keys and locks (excess free)
Retaining walls
Recreational Features
Download a copy of your house policy documents
Exclusions and limitations apply. Talk to us about these or refer to the full policy document.
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House insurance options with very strong financial backing.

premier house

Premier house

Our highest level of house insurance. Have confidence and choose the total amount we’ll pay out to rebuild your home in the event of a total loss claim (your sum insured). Includes repair or replacement cover, natural disaster cover, plus plenty more to give you peace of mind.

Get a quote Find out more
market value house

Market value house

Cover to repair damage to your home up to your sum insured amount. Or, if destroyed, we’ll pay up to your chosen sum insured or an amount equal to the market value at the time of the incident - whichever is less.

Call 0800 100 200 for a quote.

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landlord house

Premier Rental Property (Landlord Insurance)

Some of the key benefits of our Premier House policy, with great optional add-ons designed with landlords in mind. Get cover for loss of rent, theft or deliberate damage by tenants, and vacating without notice.

Call 0800 100 200 for a quote.

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The policy type you choose changes what you are covered for.

*With our Premier House and Market Value House cover, if damage to your home occurs that is covered by your policy (or would be covered by your policy but is covered by the EQC Act instead), and your home becomes unfit to live in, we’ll pay for a place for you and your immediate family to stay in – including your furry friends. We’ll pay your temporary accommodation costs until your claim is settled or for up to 12 months with a $20,000 limit.

Getting your insurance right

  • construction

    Building or renovating?

    AMI Contract works insurance provides cover for accidental loss or damage during your building or renovation project.

    Call for a quote 0800 100 200.

  • calculator

    Calculate your rebuild cost

    Knowing the total cost to rebuild your home can be difficult. So, we’ve delved into the details to give you a better idea of exactly what your Sum Insured is, and how to calculate it.

  • eqc

    Natural disaster claims

    If your home or land is damaged in a natural disaster, you now only need to contact us instead of lodging claims separately with both us and EQC. During a stressful time for you, we’re on your side.

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