Home insurance
From first homes to bustling family homes, our house insurance has you covered.
Your home is your shelter, the place where memories are made, and probably the most valuable thing you own. With an AMP home insurance policy you can protect this most important asset against any number of events, from accidental loss or damage due to natural hazards.
House insurance offers homeowners peace of mind. When you secure the right cover you can even be confident that your home is protected. A home insurance policy includes additional benefits such as temporary accommodation, legal liability, removal of debris and more. If a more significant event was to occur and your home was deemed a total loss, AMP home insurance will cover your rebuild costs up to the sum insured amount specified on your schedule. We also have the added protection of our SumExtra benefit, find more detail on that below.
Compare home insurance cover
When choosing home insurance cover it’s important that you secure an appropriate level of cover. As such, it’s wise to compare the options that each product offers based on your needs and situation, the optional benefits available, and, of course, the price.
Our Everyday Plus home insurance offers cover for your property against gradual and accidental damage, theft and major events (earthquake, storm, fire or flood) including to plants and gardens, and cover for legal liability and temporary alternative accommodation. And our Everyday home insurance offers cover for your property against theft and major events (earthquake, storm, fire or flood), and cover for legal liability and temporary accommodation.
Check the table below comparing our Everyday Plus and Everyday cover and see what each offers.
Up to $5,000
Optional
Optional
Up to $3,500
Up to $2,500
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
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)
Up to 100 metres
Up to 50 metres
Up to $1,000
Home insurance options
Everyday Plus home insurance
Comprehensive house insurance to keep your most valuable asset protected. Find out more about key benefits of this policy including accidental damage, SumExtra and legal liability.
Save with our home and contents bundle deal
You could be eligible for a bundle discount when combining your home and contents insurance. Find out more about eligibility criteria, compare home and contents insurance and get your valuables protected today.
Quote or buy online now
Enjoy great benefits with AMP insurance
- Know that your assets are protected from sudden and unforeseen events.
- SumExtra makes your home insurance cover go further. If we have accepted a claim for loss or damage to your home, SumExtra can provide additional cover at claim time if the cost to rebuild your home is more than your sum insured amount noted on your policy schedule.
- Up to 12 months temporary accommodation for you and your family if your home is deemed unlivable after an insured event has occurred.
- Flexible and accessible cover - Excess options to reduce your premium and flexible payment options to suit your lifestyle. 24/7 emergency assistance for help when you need it, plus you can manage your insurance online.
- Cover for fire, flood, storm, natural hazard and other major events.
Helping you get your insurance right
How NHC changes affect your insurance
When you insure your home, a portion of your cover is provided by Toka Tū Ake Natural Hazard Commission (NHC). This means in the event of a natural hazard, NHC pays for your claim up to their maximum limit and we cover the damage claimed above that, up to your sum insured amount noted on your current policy schedule. Find out more
Planning to renovate your house?
AMP has you covered with site cover insurance designed to cover renovation work and specifically meet your needs so you can rest easy knowing you're covered. Find out more
Calculate your home rebuild cost
Getting your sum insured right is important, but knowing how much your home rebuild might cost can be tricky. Use the calculator to get a rebuild estimate for your home. Find out more
House insurance FAQs
The amount that you insure your house for – known as the 'sum insured' - must reflect the cost of rebuilding your home, including associated costs like demolition, removal of debris and professional fees.
You should regularly check this insured amount, especially during times in which the cost of material and labour are rising, like what we are experiencing in New Zealand right now.
Your home sum insured should reflect the adequate cost of rebuilding your home should a total loss occur and should include any extra costs that occur if you were to rebuild your home such as; demolition, removal of debris, and council and/or architectural fees. The Cordell Sum Sure Calculator is a free independent tool that offers general information and rebuild estimates or you can obtain this at a cost by a suitably qualified professional, such as a registered quantity surveyor or registered valuer.
Calculate your home rebuild costs.
What is sum insured?
If you are employed and working from home as part of your normal employment, the office equipment provided by your employer is normally insured by them. Check with them and if not, we can insure your home office equipment under our household contents insurance. Limits apply.
Yes. Natural hazards resulting from an earthquake, natural landslide, volcanic activity, tsunami, or hydrothermal activity, or fire resulting from any of these is covered under the natural hazard benefit. Severe weather events, such as storms and floods, aren’t covered by Toka Tū Ake Natural Hazards Commission (NHC) - but don’t worry, this is covered under your home policy. However, imminent damage as determined by NHC is not covered under your home policy. Refer to your policy document for further information about this cover.
Your house insurance policy is designed to protect your home as it was when the house cover was taken out. As such it doesn’t cover you for any damage to the house relating to renovations, structural alterations or additions, even if you have a contractor doing the work for you. Before moving forward with your home renovations, get in touch with our insurance experts to ensure you've got suitable cover.
Yes, you should always ensure that your property is covered by insurance, no matter whether it is an apartment, unit or fully detached house.
But if your property is in a complex with multiple properties and owners, it will probably fall under unit title ownership, which means that the body corporate will be responsible for insuring the property (as well as maintaining the buildings and grounds). Some smaller complexes don’t necessarily require a body corporate, but these will still need to be insured under a single policy, per the Unit Titles Act.
If you’re not part of a body corporate or subject to the Unit Titles Act, you should still seek to insure your home, whether it be an apartment, unit or fully detached house.
Note that the contents within your unit or apartment will not be covered by the body corporate insurance, and it is up to you to protect your belongings with contents insurance.
Looking for help with house insurance?
It’s important that you get the right policy for your home and situation – one that ensures you enjoy all the upsides of home ownership while being protected against potential issues. If you're unsure about your needs, our AMP home insurance experts are here to help. Speak to one of our specialists on 0800 267 263 or book a call at a time that suits you. Have an existing insurance adviser or broker? Find them here.
Insurance (excluding travel) is underwritten by Vero Insurance New Zealand Ltd. This information is only intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.