Contents Insurance

Whether it's your table, tablet, or trampoline, we've got you covered.

With AMI, you get more than just insurance. We’re here to get you back on your feet faster with AMI HomeHub, our first-class house repair service. Plus, with our AA financial strength rating, you can be confident we’ll be there for you should you need us.

Protection that comes with plenty of benefits

  • Repair or replacement for most things if your belongings get accidentally lost, damaged or stolen.

  • Temporary accommodation costs for you, your family, and your pets up to $30,000, including moving your things to and from a storage facility, if the home you own or rent becomes unliveable due to something we cover.

  • Hidden gradual damage cover up to $3,000 a year for damage to your things caused by water leaking from an internal tank or internal plumbing. 

  • Moving to a new home cover protects your belongings at both your current and your new property for two weeks.

  • Travel cover for your and your family’s belongings while in Australia or the South Pacific Islands up to $5,000 per trip that’s a maximum of three weeks long. 

  • Home office equipment is covered up to $10,000 if it gets damaged or stolen while in your home, like if there’s a break-in. 

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Why choose AMI?

Trusted insurer

We’ve been protecting New Zealanders for almost 100 years. Over 700,000 Kiwi trust us to be on their side and protect the things they love. 

Simpler claims

If the unexpected happens, it's quick and easy to make a claim and track its progress online using your My AMI online account or our AMI app

Get it done online

Get your insurance done on the go with your My AMI online account, or our AMI app. Check your policies, update details, make payments and claims, or request AMI Roadside Rescue.

Key features of our new Contents Plus Insurance policy

Select cover option

What's included

What's included

Repair or replacement of most belongings accidentally lost, damaged or stolen anywhere in NZ
Moving to a new home cover for two weeks at both addresses
Replacement of whiteware appliances with a more energy-efficient model
Hidden gradual damage to your belongings

Up to $3,000 per year

Bicycles and e-bikes

Up to $3,000 per item
(higher limit available)

Jewellery and watches

(limits apply)

Contents in storage
Temporary accommodation costs

Up to $30,000

Contents with you or your family while overseas in Australia or the South Pacific Islands

Up to $5,000 per trip
(maximum 3 weeks)

Food spoilage from appliance break-down or accidental power outage

Up to $1,000

Excess-free replacement of keys and locks
Legal liability cover

Up to $2,000,000

Optional benefits

Optional benefits

Excess-free spectacles, dentures and hearing aids

Optional extra

Lifestyle block contents and tools of trade

Optional extra

Plain language policy wording

What's included

What's included

Repair or replacement of most belongings accidentally lost, damaged or stolen anywhere in NZ
Moving to a new home cover for two weeks at both addresses
Replacement of whiteware appliances with a more energy-efficient model
Hidden gradual damage to your belongings

Up to $3,000 per year

Bicycles and e-bikes

Up to $3,000 per item
(higher limit available)

Jewellery and watches

(limits apply)

Contents in storage
Temporary accommodation costs

Up to $30,000

Contents with you or your family while overseas in Australia or the South Pacific Islands

Up to $5,000 per trip
(maximum 3 weeks)

Food spoilage from appliance break-down or accidental power outage

Up to $1,000

Excess-free replacement of keys and locks
Legal liability cover

Up to $2,000,000

Optional benefits

Optional benefits

Excess-free spectacles, dentures and hearing aids

Optional extra

Lifestyle block contents and tools of trade

Optional extra

Plain language policy wording

This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording.




Some of our policy wordings are now in plain language, making them easier for you to read, understand, and act on.

Note: If you already have a policy with us, you may have a different policy wording to the plain language policy wording above. Check your policy details, then find your policy wording on our Policy documents page.

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