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Renters Insurance

Get up to $10,000 worth of cover for no more than $26 a month.*

*For the first year.

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 $26 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?

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$26 a month

With AMI Renters Insurance, you can get up to $10,000 worth of cover for your stuff for no more than $26 a month for the first year.

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Highest level of cover

With Renters Insurance you’ll get 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’.


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Student Multisaver discount

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


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AMI App

  • Great offers just for AMI customers
  • Login to your online account and view your policy documents
  • Make a claim
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More than just your stuff

As a renter, you're covered when accidents happen outside your home. If you accidently lose control of your supermarket trolley and it runs into somebody's car, we'll cover your legal liability.

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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.

*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 up to $10,000 worth of cover for no more than $26 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 homes.co.nz 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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Or come and see us.
Find your nearest store

What do you need to know about Renters Insurance?

  • What is Renters Insurance?

    Renters insurance covers the stuff you own, such as your phone, laptop, clothes, etc. Not only that, but you get other great cover. 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, we'll make sure that you won't pay more than $26 a month for the first 12 months.

    However, if you think $10,000 isn't enough for you, you can increase this amount to a cover that suits your needs. Your monthly premium may be more than $26 a month if you decide to get more cover.

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

    Of course you can. This is available to anyone who thinks the level of 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 amount you have to pay each time you make a claim, before your insurance looks after your 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 or pop into an AMI store to learn more.

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

    You can find this out by visiting homes.co.nz.

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