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.

Quote or Buy

Need a little help?

Talk to your Adviser Search
Other queries 09 363 5710
Emergency assistance0800 800 786

Choose your home cover


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.

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.

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
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)
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
Natural disaster Natural disaster Earthquake, natural landslip, volcanic eruption or activity, hydrothermal activity, tsunami or fire resulting from any of these.
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
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
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
Fencing Up to 2km Up to 2km
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)
Driveways Up to 100 metres Up to 50 metres
Damage to plants and gardens Up to $1,000
Environmental improvements Environmental improvements Such as a rainwater tank, solar systems or compost equipment. Up to $3,500 Up to $2,500
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.
Want to read the fine print? Policy Document Policy Document

Quote or Buy Quote or Buy

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.

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

Show more

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.