Home and contents insurance

Compare home and contents cover

You need your home and contents insurance cover to offer an appropriate level of cover, based on your needs, wants, and the risks that you face on your property. Be sure to check inclusions, exclusions, optional benefits, and refer to the policy document for specifics.

Home

SumExtra (Home only)

SumExtra can provide the benefit of full replacement cost if your house is damaged or destroyed by non-natural disaster and up to 10% of your sum insured extra cover if your house is damaged or destroyed by natural disaster. Conditions apply.

Optional

Accidental damage at home

Cover for accidental loss or damage to your home or contents.

(Accidental damage at the home is optional)

Gradual damage

Cover for gradual physical damage to your home or contents resulting from water leaking or over flowing from any internal water system, provided that the damage first occurs during the period of insurance and the water leak or overflow causing the damage was not visible, noticeable, or obvious.

Up to $5,000

Natural disaster

Earthquake, natural landslip, volcanic eruption or activity, hydrothermal activity, tsunami or fire resulting from any of these.

Legal liability (as a home owner or individual)

Cover for your legal liability to pay for loss or damage to other people’s property.

Up to $2,000,000

Temporary accommodation

Cover for the reasonable temporary accommodation costs when your home is damaged and unliveable.

Up to 10% of the Sum Insured for up to 12 months

Removal of debris

Cover for the costs of demolishing and removing the damaged parts of your home within the homes sum insured

Up to 15% of contents Sum Insured, and no fixed limit for the disposal of damaged parts of your home

Up to 10% of contents Sum Insured, and no fixed limit for the disposal of damaged parts of your home

Fencing

Fencing is covered up to 2km from the house.

Retaining walls

Up to $75,000 or possibly more if you’ve had a pre-loss valuation of your home and retaining walls (conditions apply)

Up to $50,000 or possibly more if you’ve had a pre-loss valuation of your home and retaining walls (conditions apply)

Driveways

Up to 100 metres

Up to 50 metres

Damage to plants and gardens

Up to $1,000

Environmental improvements

Such as a rainwater tank, solar systems or compost equipment.

Up to $3,500

Up to $2,500

Other repair/rebuilding costs

Such as make-safe works, professional fees like architects or surveyors and additional work to make damaged parts of your home comply with current building regulations.

Contents

Contents temporarily removed for up to 180 consecutive days

Cover if you temporarily remove your contents to a new temporary address or a bank deposit box.

Up to 25% of contents Sum Insured

Contents in transit

If you are permanently moving to a new address in New Zealand, you have cover for your contents while they are being moved, for loss or damage caused by fire or flood, or by accident or theft of the vehicle carrying them.

Food and medication spoilage

Cover for spoilage of refrigerated food, frozen food and refrigerated medicines.

Up to $1,000

Up to $500

Jewellery and watches

$2,500 per item or set up to $10,000 total

$1,000 per item or set up to $4,000 total

Paintings, pictures, art, antiques, sculptures, ornaments and art objects

Up to $20,000 each item or set up to $80,000 total

Up to $10,000 each item or set up to $50,000 total

Portable valuables

Portable valuables are contents that are normally carried with you away from the insured address such as jewellery, handbags, wallets, mobile phones, laptops, tablets, sporting equipment and photography equipment.

Optional

Visitor's contents

Up to $1,000

Up to $500

Home office equipment

Up to $15,000

Up to $10,000

Financial transaction card cover

Cover for your losses (less any amount covered by your bank) if your credit or debit cards are stolen from the insured address and used fraudulently.

Up to $2,500

Up to $1,500

Identity theft cover

Cover for the reasonable costs you have to pay in trying to re-establish your personal credit history.

Up to $1,500

Up to $1,000

Costs to re-establish important documents

For example, replacing jewellery valuations, passports, wills, the land title on your home, driver licenses and marriage and birth certificates.

Up to $1,000

Up to $500

Fatal injury compensation

Up to $5,000

Save with our home and contents bundle deal

You may be eligible for a bundle discount when insuring your home and contents together with AMP. Find out more about eligibility criteria, and get covered today.

Quote or buy online now

Benefits of choosing AMP home and contents insurance

Excess options to shrink your premium

Did you know you can reduce your premium by increasing your excess? Excess is the amount you pay for each event when you make a claim – we sort the rest.

Flexible payment options to suit you

You have the option to pay your premium either fortnightly, monthly or yearly. Simply select the payment option that best suits you when you purchase your insurance online.

Manage your insurance online

When you purchase an online policy with AMP you can view, update, and keep track of your insurance 24/7 with My Insurance Manager.
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Helping you get your insurance right

Sum insured and SumExtra

When it comes to sorting your house insurance, it's important to get your Sum Insured right as this determines how much is paid out in the event you need to rebuild your home. The SumExtra benefit can make your home insurance cover go further by providing extra financial help at claim time if the cost to rebuild your home is more than your Sum Insured. Learn more about Sum Insured & SumExtra.

Home rebuild calculator

If you had to rebuild your home, how much would it cost? It can feel like an impossible question to answer, but with the help of a house insurance calculator you can generate an estimated rebuild cost in a few clicks. Calculate your home rebuild cost.

Home contents calculator

How much would it cost to replace all of the contents in your home? It’s another tricky question, but one that a home contents calculator is designed to answer. You can either get an instant estimate based on factors like your address and the size of your home, or you can edit this estimate, adding your valuables, to get a more precise figure. Calculate your home contents value.

Designed with New Zealand homeowners in mind, our home and contents insurance policy offers the ultimate protection, covering you for accidental loss or damage to both your home and the contents that reside inside your property. It also includes other benefits, such as cover for things like legal liability, temporary accommodation, identity theft and more.

Need a little help with home and contents insurance?

It’s important that you get the right policy for your home and situation – one that ensures you enjoy all the upsides of home ownership while being protected against potential issues. If you're unsure about your insurance needs, we're here to help. Give us a call on 0800 267 263 and speak to one of our insurance specialists or book a call at a time that suits you.
Have an existing insurance adviser or broker? Find them here.

Insurance (excluding travel) is underwritten by Vero Insurance New Zealand Ltd. This information is only intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.