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.
Natural hazard damage cover if your house is damaged in events like earthquakes, landslides and volcanic activity. We also cover damage to your home from storms and floods.
A new structure being built on your property and any materials used are covered up to $10,000 a year for loss or damage from certain events if the completed structure is insured under our Home Insurance.
Temporary accommodation for you, your family, and your pets up to $30,000 if you and your household can’t live in your home due to something we cover.
Repair or rebuild costs for your home if it’s destroyed by fire and qualifies for ‘Replacement cover’, even if the cost is more than your home sum insured.*
Replacement of keys or locks without paying an excess if you’re only claiming for house keys that are lost, stolen, or duplicated without your permission.
Hidden gradual damage cover up to $3,000 a year for damage to your home caused by water leaking from an internal tank or internal plumbing.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
* To qualify, you'll need to choose a sum insured that is equal to or greater than the estimate provided by the Cordell calculator.
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.
Select cover option
Up to $3,000 per year
Up to $10,000 per year
Up to $500 per year
Up to $30,000
Up to $50,000
(higher limit available)
Up to $15,000
Up to $2,000,000
$2,000
Optional extra
Optional extra
Optional extra
Optional extra
Up to $3,000 per year
Up to $10,000 per year
Up to $500 per year
Up to $30,000
Up to $50,000
(higher limit available)
Up to $15,000
Up to $2,000,000
$2,000
Optional extra
Optional extra
Optional extra
Optional extra
*To qualify, you'll need to choose a sum insured that is equal to or greater than the estimate provided by the Cordell calculator.
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.
When you need protection for your house and its contents, we’ve got you covered. Get a quote for both at the same time and cover your home and belongings, like furniture, jewellery, TVs and laptops.
Your sum insured is an estimate of how much it would cost to rebuild your house. This amount needs to include things like driveways, fences, debris removal, demolition, compliance and professional fees, and the GST. It’s important to get your sum insured right as often it’s the most we’ll pay if you were to suffer a total loss (minus your excess) – for instance, if your home was destroyed in a landslide. The NZ Cordell Sum Sure calculator is an independent tool that can help you work out the total rebuild cost. You can compare this value against your own calculations to get the best estimate of your rebuild costs.
The Natural Hazards Commission Toka Tū Ake (previously the EQC), provides insurance, called Natural Hazards Cover (NHCover), for natural hazard events via home insurance policies. If your home or land is damaged from an earthquake, landslide, tsunami or volcanic activity, you only need to contact us, instead of lodging separate claims with us and the Commission.
