AMI Contents Insurance

AMI has protected Kiwis around the country for over 90 years, acquiring a reputation as one of NZ’s most trusted insurers. They received the Reader’s Digest Highly Commended Trusted Brand award for General Insurance for eight years now. AMI Contents Insurance has also been voted as New Zealand’s Gold winner for Quality Service.

ami contents insurance
Contents Insurance Calculator

Why choose AMI House and Contents Insurance?

AMI house and contents insurance is eligible for a multi-policy discount which gives you even more savings on your policy! They also have a strong AA- strength rating, which means they have a ‘Very Strong’ ability to pay out claims.

Keys and Lock Cover

Easily replace lost keys and locks with this added benefit without applying any excesses.  Get up $500 worth of cover under an Advanced policy and up to $250 under a Premier policy.

Credit and Debit Card Cover

AMI Contents Insurance will reimburse you for any illegal or fraudulent use in case your credit or debit card is lost or stolen. Get a maximum of $1000 for both cover types when you sign up with AMI!

Generous discounts on premiums

Choose a higher excess and get discounts on your premiums. See how much you need to spend and how much you can save when you use AMI Contents Insurance calculator to get a good estimate.

Types of AMI Contents Insurance policies NZ:

AMI Insurance Advanced Contents Policy

This is the highest level of cover provided for any household item or possession. Under this level of insurance, items can be covered for either repair or market value. Breakdown of the items are outlined below:

For Repair or Replacement:

  • Furniture
  • TV, stereo, and video devices
  • Fridge and freezer
  • Microwave oven
  • Most electrical appliances
  • Cutlery, crockery, and utensils
  • Desktop PC and components
  • Carpets under 10 years old
  • Curtains
  • Spectacles, dentures and hearing aids
  • Jewellery and watches
  • Light fittings
  • Works of art
  • Cosmetics and toiletries
  • Lawn mower and tools
  • Canoes and small watercraft up to $500

For Market Value Cover:

  • Clothing and footwear
  • Household linen
  • Bicycles
  • Sports and camping equipment
  • Computer software
  • Carpets over 10 years old

What is covered under an Advanced Insurance policy?

  • Natural Disasters
  • Legal liability
  • Business Equipment
  • Canoes and Small Watercraft
  • Temporary  Accommodation Costs
  • Up to $2,000 storage for your items while your house is uninhabitable
  • Combined excess for house and contents insurance

You can also get these optional add-ons on your advanced policy:

  • Matching Carpet Cover - If your insurer is unable to repair or find a replacement for a damaged carpet, they can replace all carpets, curtains, and blinds so everything would match.
  • Bike Cover - You can get a replacement for the sum insured on your bike should you damage it while riding or racing, or even when it’s stolen from your secure building.

Premier Contents Insurance

This is a cheaper plan with a lower level of cover. Most household items are repaired or replaced if they are under 10 years old while furnishings need to be under 5 years old. Everything else is covered for market value.

Repair and Replacement for items under 10 years old:

  • Your furniture
  • TV and Stereo
  • Fridge and freezer
  • Microwave Oven
  • Electrical Home Appliances
  • Your lawn mower and tools

Repair and replacement for items under 5 years old:

  • Carpets
  • Curtains
  • Spectacles, dentures, and hearing aids

Market value cover:

  • Major household items over 10 years
  • Carpets and curtains over 5 years
  • Any item damaged or lost away from home
  • Jewellery, watches, and any unset precious stones for $1,000 per item or $15,000 for all if not specified
  • Works of art up to limited $2,000
  • Light fittings
  • Clothing, footwear, and household linen
  • Cameras and its accessories up to $2000
  • Bicycles
  • Computer software
  • Crockery, cutlery, and kitchen utensils
  • Canoes and small watercraft up to $500
  • Other household belongings

What is covered under Premier Contents Insurance?

  • Natural Disasters
  • Legal liability
  • Business Equipment
  • Canoes and Small Watercraft
  • Temporary  Accommodation Costs
  • Combined excess for house and contents insurance