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 home insurance, easy to get a quote and easy to buy.





Home - Everyday Plus
Home - Everyday Plus

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


Choose your home cover

Everyday Plus
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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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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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 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.