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Home insurance

Get cover to protect your biggest asset
Whether you own a compact city apartment or a rambling family home in the country, we make it easy to choose the right kind of house insurance, easy to get a quote and easy to buy.

Home - Comprehensive cover
Home - Comprehensive cover

For a bells-and-whistles policy, get a quote or buy comprehensive house insurance
For people with valuable family homes and bigger homes, and those who want extra cover.

Home - Everyday
Home - Everyday

For a smart and thrifty policy, get a quote or buy Everyday home insurance
For people in their first homes or those who aren’t concerned about accidental damage.


Compare home insurance cover

Comprehensive cover
Everyday
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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Cover for legal liability to pay for loss or damage (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 within the homes sum insured
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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
Fencing is covered up to 2km from the house.
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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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Comprehensive home insurance


Comprehensive house insurance to keep your most valuable asset protected. Find out more about key benefits of this policy including accidental damage, SumExtra and legal liability.


Everyday home insurance


AMP basic house insurance has you covered for theft, temporary accommodation and major events.


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Save with our home and contents bundle deal

 

You could be eligible for a bundle discount when combining your home and contents insurance. Find out more about eligibility criteriacompare home and contents insurance and get your valuables protected today.

Quote or buy online now

Benefits of choosing AMP home 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 fortnightly, monthly or yearly. Simply select the payment option that best suits you when you purchase your insurance online.



24/7 emergency assistance when you need it

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


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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 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.



House insurance FAQs

How much should I insure my house for?

It is important that the amount you insure your house for reflects the estimated cost of rebuilding your home. This includes taking into account demolition, debris removal costs and professional fees.

It is worthwhile checking the amount of insurance cover you have on your home. Regular checking is important, especially during times where there is accelerated costs of material and labour, such as what we are experiencing in New Zealand now.

Find out more about how to calculate your home rebuild costs.

Does my home insurance cover working from home?

If you are employed and working from home as part of your normal employment, the office equipment provided by your employer is normally insured by them. Check with them and if not, we can insure this for you under your household contents insurance.

Does my home insurance cover natural disasters?

Yes. Natural disaster is often connected with earthquake, natural landslip, tsunami, or fire resulting from these causes. In everyday speak, natural disaster also includes events like storms and floods – don’t worry as we insure this too. Refer to your policy document for further information about this cover.

Do I get a package discount for home and contents insurance?

Yes, we reward you with a discount by combining your insurance policies, such as your home and household contents on the same policy. Get in touch with us or start your home, household contents or car quote online now.

I'm renovating my home, am I covered under my home insurance?

Your home insurance doesn’t necessarily cover you for any damage to the house relating to renovations, structural alterations or additions (even if you have a contractor doing the work for you). Before charging ahead with home renovations get in touch with us to make sure you've got the right cover in place.

 

Keep track of your insurance online

 

Manage your insurance online when you buy a AMP online policy. View, update, and keep track of your insurance 24/7 with My Insurance Manager. Login or register today.

 

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Need a little help?



Need to make a claim? View your insurance claim options using our handy guide.



Need a little help choosing the right insurance option? Contact us on 0800 267 263 to speak to one of our insurance experts or book a call at a time that suits you.



Have an existing insurance adviser or broker? Find them here.


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.