Home and contents insurance

Get your home and valuables protected

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Whether your home is minimalist or extravagant, we make it easy to choose the right kind of home and contents insurance, easy to get a quote, easy to sign-up and easy to pay.

Choose your home and contents cover

NEW

Bells and whistles Everyday Plus

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

Who is this good for?

People who already have family homes with nice things or who want extra peace of mind.

NEW

The basics Everyday

Cover for theft, temporary accommodation and major events (such as an earthquake, storm, fire or flood).

Who is this good for?

People who have just bought their first home and are just starting to accumulate valuable possessions. Or people who are not concerned about accidental damage.

Accidental damage at home Accidental damage at home Cover for accidental loss or damage to your home or contents. (Accidental damage at the home is optional)
SumExtra (Home only) 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
Legal liability (as a home owner or individual) 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 Up to $2,000,000
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)
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
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
Portable valuables 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
Home office equipment Up to $15,000 Up to $10,000
Lock replacement Lock replacement Cover for the necessary costs of replacing or recoding locks to the external doors or windows of your home at the insured address if the keys to those locks are stolen anywhere in Australia or New Zealand. Up to $1,000 Up to $500
Natural disaster Natural disaster Earthquake, natural landslip, volcanic eruption or activity, hydrothermal activity, tsunami or fire resulting from any of these.
Accidental breakage of glass
Removal of debris Removal of debris Cover for the costs of demolishing and removing the damaged parts of your home, and/ or disposing of damaged contents. 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
Temporary accommodation 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 Up to 10% of the Sum Insured for up to 12 months
Hand woven carpets/rugs Up to $5,000 per carpet or rug Up to $2,000 per carpet or rug
Environmental improvements Environmental improvements Such as a rainwater tank, solar systems or compost equipment. Up to $3,500 Up to $2,500
Mortgage discharge costs Mortgage discharge costs The administrative and legal costs of discharging the mortgage and deleting the mortgagee from the land title on your home. Up to $1,500 Up to $1,000
Fatal injury compensation Up to $5,000 Up to $5,000
Damage for physical injury or incident 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.
Up to $20,000 Up to $15,000
Fencing Up to 2km Up to 2km
Driveways Up to 100 metres Up to 50 metres
Sealed road and access ways Up to $25,000 Up to $10,000
Motor burnout Motor burnout The burning out or fusing of electric motors, that happens in the period of insurance, in household equipment or appliances which are part of your contents and which are less than 10 years old. Optional
Storage of undamaged contents Storage of undamaged contents If you make a claim for loss or damage to your contents and it is agreed that your undamaged contents cannot be kept at the insured address because it is unliveable, there is cover for the reasonable cost to store the undamaged contents until the contents can be kept at the insured address. Up to 10% of contents Sum Insured Up to 10% of contents Sum Insured
Costs to re-establish important documents 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
Vehicle accessories and spare parts 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). Up to $1,000 Up to $500
Contents temporarily removed for up to 180 consecutive days 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 commercial storage
Contents in transit 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.
Visitor's contents Up to $1,000 Up to $500
Food and medication spoilage Food and medication spoilage Cover for spoilage of refrigerated food, frozen food and refrigerated medicines. Up to $1,000 Up to $500
Identity theft cover 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
Financial transaction card cover 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
Other repair/rebuilding costs 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.
Gradual damage 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
Supplementary living expenses Supplementary living expenses Cover for the additional living expenses which are necessary to maintain your normal standard of living, if your home is unliveable. Up to $1,500
Energy costs for loss of supply or renewable energy Energy costs for loss of supply or renewable energy Covers electricity costs when your alternative green energy generation equipment is lost or damaged. Up to $100 per month for up to 12 months
Damage to plants and gardens Up to $1,000
Contents on common property Contents on common property Cover for your contents permanently fixed on or to common property of your residential complex on the same basis as if they were at the insured address. Up to $1,000
Want to read the fine print? Policy Document Policy Document
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Not quite what you’re looking for?

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

Already have an existing policy?

You can take a look at our policy documents here.

5 things to 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

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.

We make the claims process easy

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.

Important information

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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.

A disclosure statement is available from your Adviser, on request and free of charge.