Home insurance

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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

NEW

Bells and whistles Everyday Plus

Cover for accidental damage, natural disaster, temporary accommodation after an insured event and SumExtra.

Who is this good for?

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.

Who is this good for?

People in their first homes or those who aren’t concerned about accidental damage.

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.
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:
  • 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
Natural disaster Natural disaster Earthquake, natural landslip, volcanic eruption or activity, hydrothermal activity, tsunami or fire resulting from any of these.
Sealed road and access ways Up to $25,000 Up to $10,000
Accidental breakage of glass
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.
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
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
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
Damage to plants and gardens 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 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.

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.