Renter’s Insurance Get up to $10,000 worth of cover for more than $32 a month for the first year.*

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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Do you need Renters Insurance?

As a renter, it's important to have cover for your stuff. With AMI Renters Insurance, you can get up to $10,000 worth of cover for your stuff and pay no more than $32 a month for the first year.* This means you can cover the stuff that you can't live without - this could be your precious new iPhone, laptop or TV.

What do you get?

$32 a month

With AMI Renters Insurance, you can get up to $10,000 worth of cover, with an excess of $500 and pay no more than $32 a month for the first year.

Highest level of cover

With Renters Insurance you’ll get an AMI Advanced Contents policy, which is our highest level of cover. This means that most of the things you own will be repaired or replaced brand new, no matter how old they are.^** This is also known as ‘new for old’.

Student Multisaver benefit

Save even more if you take out Young Drivers Insurance with us too, and get a multi-policy benefit.

Online claims

Make a claim online for your contents plus track open claims in My AMI, your online account. You can also upload receipts, photos and documents.

More than just your stuff

Renters Insurance also includes $1million worth of Legal Liability cover. This means you’re covered when accidents happen outside your home. For example, if you accidentally lose control of your supermarket trolley and it runs into somebody's car, we'll cover your legal liability.

Cover in and out of your home

A renter with Renter's Insurance will have their stuff covered at home or when they're out and about.

*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.

^**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.

How can you get Renters Insurance?

*If you’re a renter and want Renters Insurance, you can get $10,000 worth of cover, with an excess of $500 and pay no more than $32 a month for the first year.

You can get a quote and buy Renters Insurance online now. You’ll need to answer some questions about the property you rent, such as what year it was built and what it’s made of. If you get stuck, visit to find this information.

Get a quote

Or if you would rather speak to us about getting a quote, please try one of these options...

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Call us on 0800 100 200
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What do you need to know about Renters Insurance?

  • What is Renters Insurance?

    Renters Insurance covers your personal belongings such as your phone, laptop, furniture, clothes, cosmetics and sports equipment.

    With Renters Insurance you get an AMI Advanced Contents policy which provides our highest level of cover, at a set sum-insured of $10,000. This means you are covered for up to $10,000.

    Renters Insurance also provides cover for any damage you may cause to someone else’s property. For example, if you accidentally drop a vase in an antique shop) we will pay any costs you are legally required to pay, up to a value of $1 million. (This is sometimes called Legal Liability or Third Party Cover).

    If the house you live in is damaged or destroyed, we will pay reasonable temporary accommodation costs for you, your family and your pets while your house is uninhabitable for up to 12 months (or up to 25% of your sum insured).

    Optional cover, like Matching Carpet Cover, or Bike Cover, can also be added to your policy for an additional cost.

    Check out the policy wording for more information.

  • How much does Renters Insurance cost?

    We know how expensive renting can be, so AMI Renters Insurance is designed to save you money. To get up to $10,000 worth of cover, with an excess of $500, we'll make sure that you won't pay more than $32 a month for the first 12 months

    However, if you think $10,000 isn't enough for you, or you want to select a different excess level, your monthly premium may be more than $32 a month.

  • I'm not a renter. Can I still get this cover?

    Of course you can. This is available to anyone who thinks $10,000 worth of contents cover would be suitable for them.

  • What happens if I need to make a claim?

    As always, you'll need to pay an excess - it's a one-off, set amount you have to pay each time you make a claim.

    With AMI Renters Insurance, you'll need to pay a $500 excess for each claim you make. There may be some cases where you won't have to pay an excess. Give us a call on 0800 100 200 to learn more.

    You can choose different excesses when taking out insurance cover. Choosing a lower or higher excess will alter your premium.

  • Where can I find the age of the house I rent?

    You can find this out by visiting

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