Home and Contents insurance

Get your home and valuables protected






Home and Contents - Everyday Plus
Home and Contents - Everyday Plus

For a bells-and-whistles policy, get a quote or buy Everyday Plus home and contents insurance

Home and Contents - Everyday
Home and Contents - Everyday

For a smart and thrifty policy, get a quote or buy Everyday home and contents insurance


Choose your home and contents cover

Everyday Plus
Everyday
Home
Cover for accidental damage, theft, temporary accommodation and major events (such as an earthquake, storm, fire or flood).
Cover for theft, temporary accommodation and major events (such as an earthquake, storm, fire or flood).
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.
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Optional

Accidental damage at home
Cover for accidental loss or damage to your home or contents.
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(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.
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Up to $5,000

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Natural disaster
Earthquake, natural landslip, volcanic eruption or activity, hydrothermal activity, tsunami or fire resulting from any of these.
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Legal liability (as a home owner or individual)
Cover for your legal liability to pay for loss or damage to other people’s property.
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Up to $2,000,000

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Up to $2,000,000

Temporary accommodation
Cover for the reasonable temporary accommodation costs when your home is damaged and unliveable.
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Up to 10% of the Sum Insured for up to 12 months

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

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

Fencing
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Up to 2km

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Up to 2km

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

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

Driveways
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Up to 100 metres

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Up to 50 metres

Damage to plants and gardens
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Up to $1,000

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Environmental improvements
Such as a rainwater tank, solar systems or compost equipment.
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Up to $3,500

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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.
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Contents
Contents in commercial storage
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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.
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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.
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Food and medication spoilage
Cover for spoilage of refrigerated food, frozen food and refrigerated medicines.
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Up to $1,000

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Up to $500

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

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

Paintings, pictures, art, antiques, sculptures, ornaments and art objects
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Up to $20,000 each item or set up to $80,000 total

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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.
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Optional

Vehicle accessories and spare parts
Covers loss or damage to accessories and spare parts from cars, trailers, motorised scooters, motorbikes and boats (but not outboard motors).
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Up to $1,000

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Up to $500

Visitor's contents
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Up to $1,000

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Up to $500

Home office equipment
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Up to $15,000

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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.
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Up to $2,500

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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.
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Up to $1,500

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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.
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Up to $1,000

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Up to $500

Damage for physical injury or incident
We cover damage to and/or soiling of your contents as a result of: physical assaults or death (whether by natural cause, suicide, manslaughter or murder); forensic or police investigations into any physical assault or death.
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Up to $20,000

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Up to $15,000

Fatal injury compensation
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Up to $5,000

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Up to $5,000

Need a little help?

Make a claim
Make a claim

We understand that making a claim often comes at a challenging and traumatic time. That’s why we’re here for you every step of the way.

Manage your policy
Manage your policy

Emergency assistance
Emergency assistance

Contact us
Contact us

Five things people like about AMP home and contents insurance

Excess options to shrink your premium

You can reduce your premium by increasing your excess (the amount you pay for each event when you make a claim, we sort the rest).

24/7 Emergency assistance

With AMP home and contents insurance, you get access to a 24/7 emergency assistance call centre.

SumExtra and Sum Insured

With AMP Home insurance you can receive the benefit of SumExtra which offers the full replacement cost if your home is damaged or destroyed by an insured event other than a natural disaster, and up to 10% of your sum insured extra cover for natural disasters (conditions apply).

Flexible payment options

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

An easy claims process

We have an experienced claims team who will support you and keep you updated throughout the journey. Our aim is to make the claims process as easy and clear as possible.

Not quite what you’re looking for?

Need a little help?
Call AMP on 0800 267 263.

An Adviser can talk you through our full suite of products and help tailor your insurance to meet your needs.

Important information

AMP Home, Contents, Car and Landlord insurance are issued and underwritten by Vero Insurance New Zealand Limited. The above is only a summary of some of the cover provided and is for information purposes only. It is important to note that limits, excesses, terms and conditions and exclusions apply to the cover outlined. Please refer to the policy document for details of the cover. The provision of cover is subject to the underwriting criteria that apply at the time.