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.
Choose your home cover
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NEW
Bells and whistles Everyday Plus Cover for accidental damage, natural disaster, temporary accommodation after an insured event and SumExtra. People with valuable family homes and bigger homes, and those who want extra cover. |
NEW
The basics Everyday Cover for natural disaster, temporary accommodation after an insured event and the optional benefit of SumExtra. People in their first homes or those who aren’t concerned about accidental damage. |
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| Accidental damage Accidental damage Cover for accidental loss or damage to your home. |  |
Optional |
| SumExtra SumExtra 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 Legal liability 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 |
| 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 |
| 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) |
| Fencing | Up to 2km |
Up to 2km |
| Driveways | Up to 100 metres |
Up to 100 metres |
| 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 |
| 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 |
| Removal of debris Removal of debris Cover for the costs of demolishing and removing the damaged parts of your home. | |
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Damage for physical injury or incident
Damage for physical injury or incident
Cover for damage to and/or soiling of your home as a result of:
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Up to $20,000 |
Up to $15,000 |
| Natural disaster Natural disaster Earthquake, natural landslip, volcanic eruption or activity, hydrothermal activity, tsunami or fire resulting from any of these. | |
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| Sealed road and access ways | Up to $25,000 |
Up to $10,000 |
| Accidental breakage of glass | |
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| Motor burnout Motor burnout The burning out or fusing of electric motors in household equipment or appliances which are part of your home and which are less than 10 years old. | |
Optional |
| 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. | |
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| Energy costs for loss of supply of renewable energy Energy costs for loss of supply of 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 |
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| 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 |
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| Gradual damage Gradual damage Cover for gradual physical damage to your home resulting from water leaking or overflowing 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 |
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| Damage to plants and gardens | Up to $1,000 |
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| Want to read the fine print? | Policy Document | Policy Document |
| Quote or Buy | Quote or Buy |
Bells and whistles Everyday Plus
Cover for accidental damage, natural disaster, temporary accommodation after an insured event and SumExtra.
People with valuable family homes and bigger homes, and those who want extra cover.
Up to $2,000,000
Up to 10% of the Sum Insured for up to 12 months
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 2km
Up to 100 metres
Up to $3,500
Up to $1,500
Up to $5,000
Up to $1,000
- 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 $25,000
Up to $1,500
Up to $100 per month for up to 12 months
Up to $5,000
Up to $1,000
Want to read the fine print?
The basics Everyday
Cover for natural disaster, temporary accommodation after an insured event and the optional benefit of SumExtra.
People in their first homes or those who aren’t concerned about accidental damage.
Optional
Optional
Up to $2,000,000
Up to 10% of the Sum Insured for up to 12 months
Up to $50,000 or possibly more if you’ve had a pre-loss valuation of your home and retaining walls (conditions apply)
Up to 2km
Up to 100 metres
Up to $2,500
Up to $1,000
Up to $5,000
Up to $500
- physical assaults or death (whether by natural cause, suicide, manslaughter or murder);
- forensic or police investigations into any physical assault or death.
Up to $15,000
Up to $10,000
Optional
Want to read the fine print?
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 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 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.
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.