Protect the contents of your home from damage and theft.

Use our comparison tool to find the best home contents insurance. Compare different contents insurance companies and their benefits and then click through to get a full quote.

Important- Its suggested to read the full policy wordings before making any decision. Terms, Conditions, Limit of cover and Exclusions may vary from policy to policy and it's important to check with insurer prior to organising the policy.

Choose up to three insurers to compare
Insurer:

Tower

Premium

Cover Highlights

  • Cover for replacement value
  • Cover for contents in transit (limited to the events fire, collision or overturning of the vehicle) while moving house, cover for contents at both houses for up to 14 days
  • One Event-One Excess
  • No-claims bonus discount
  • Jewellery ? per item Up to $10,000, Total $30,000
  • Keys and locks up to $2,000
  • No Excess for Spectacles, hearing aids and dentures claims
  • Watercraft cover up to $2000
  • Home Office equippments up to $10,000

Tower

Plus

Cover Highlights

  • Cover for replacement value
  • Cover for contents in transit (limited to the events fire, collision or overturning of the vehicle) while moving house, cover for contents at both houses for up to 14 days
  • One Event-One Excess
  • No-claims bonus discount
  • Jewellery ? per item Up to $2,500, Total $15,000
  • Keys and locks up to $1,000
  • No Excess for Spectacles, hearing aids and dentures claims
  • Watercraft cover up to $1,500
  • Home Office equippments up to $5,000
  • Mobile phone cover up to $1000

Tower

Standard

Cover Highlights

  • Cover for replacement value, Accidental damage up to $5000
  • Cover for contents in transit (limited to the events fire, collision or overturning of the vehicle) while moving house, cover for contents at both houses for up to 14 days
  • One Event-One Excess
  • No-claims bonus discount
  • Jewellery ? per item Up to $1000, Total $5,000
  • Keys and locks up to $500
  • Standard Excess applies for Spectacles, hearing aids and dentures claims
  • Watercraft cover up to $500
  • Mobile phone cover up to $500

State

Comprehensive

Cover Highlights

  • Sudden and accidental loss or damage
  • Alternative accommodation costs cover up to $20,000
  • Home office contents up to $7,500
  • Repair or replacement cover for most items
  • Hidden gradual damage from leaking water in certain circumstances

State

Essentials

Cover Highlights

  • Sudden accidental loss due to specified events in the policy wordings
  • Cover for valuable single items up to a set limit
  • Legal liability cover up to $1,000,000
  • Reapair or Present day value cover for most items

AA

Contents Insurance

Cover Highlights

  • Replacement cover New for old (Except clothing, footwear and cosmetics, or those items which don?t have a suitable replacement item available, will be settled at the Market Value)
  • Excess-free cover for food spoilage up to $1,000
  • Business tools and professional equipment up to $3,000
  • Optional benefit - $100 Excess on Eyewear
  • Optional benefit- Excess-Free Hearing Aid Cover
  • Legal liability cover up to $2million
  • Jewellery, including watches limit $5,000 per event
  • Bicycles, excluding accessories limit $5,000 per event
  • All cameras, including lenses (excluding accessories) limit $5,000

AMI

Advanced

Cover Highlights

  • Cover for your household contents from theft, fire, storm or flood - both in your house or when temporarily removed within NZ
  • Accidental damage cover
  • Cover for jewellery or watch up to $3,000 per item up to $15,000 in total
  • Cover for business equipment up to $1,500
  • Cover for canoes and small watercraft worth up to $500
  • Credit card, debit card illegal use cover illegal use of credit card up to $1,000
  • Key and lock cover up to $500
  • Matching carpet cover option (Conditions apply)
  • Replacement cover for bikes (Optional benefit)
  • Nationwide accidental cover for personal effects

AMI

Premier

Cover Highlights

  • Cover for your household contents from theft, fire, storm or flood - both in your house or when temporarily removed within NZ
  • Cover for jewellery or watch up to $1,000 per item up to $15,000 in total
  • Cover for business equipment up to $1,500
  • Cover for canoes and small watercraft worth up to $500
  • Credit card, debit card illegal use cover illegal use of credit card up to $1,000
  • Key and lock cover up to $250
  • Nationwide accidental cover for personal effects

AMI

Standard

Cover Highlights

  • Restrictions apply to Cover for your household contents from theft, fire, storm or flood - both in your house or when temporarily removed within NZ
  • Cover for jewellery or watch up to $500 per item up to $5,000 in total
  • Cover for business equipment up to $1,500
  • Cover for canoes and small watercraft worth up to $500
  • Nationwide accidental cover for personal effects

NZI

Essence Content Insurance

Cover Highlights

  • Contents covered for repair or replacement
  • Cover for jewellery or watch up to $3000 per item up to $10,000 in total
  • Limit up to $10,000 for any one ornament, painting, picture or work of art
  • Limit up to $3,000 for any one collection
  • Limit up to $3,000 for any one hearing aid, artificial limb or set of dentures
  • Limit up to $2,000 for any surfboard, windsurfer, paddleboard, kite surfer, surf ski, dinghy, kayak or canoe , Bicycle, Camera or Camera accessories

NZI

Supersurance CONTENTS INSURANCE

Cover Highlights

  • Cover for jewellery or watch up to $2000 per item up to $15,000 in total
  • LIMITS ON CAMERA EQUIPMENT- maximum for one event is $5,000. For any one item limit is $2000
  • Computers and computer hardware are covered for replacement cost if they are not more than 5 years old, and for present value if more than 5 years old
  • Cover limit as present day value and maximum payout $1,500 for following items- Bicycle, any equipment used for sports, exercise, camping or recreation, any portable musical instrument or item of associated equipment

NZI

Householders CONTENTS INSURANCE

Cover Highlights

  • Cover for jewellery or watch up to $1500 per item up to $10,000 in total
  • Limit on watch $1500 maximum
  • Limit on mobile phones $1,000 maximum
  • Following items are covered for present day value- clothing, footwear, household linen, bedding, blankets, books, magazines, records, cassettes, compact discs, video cassettes, laser discs, computer games, computers, computer hardware, computer software, electronic data storage media
  • All contents (other than jewellery) which are more than 10 years old are covered for their present value
  • Cover limit as present day value and maximum payout $1,000 for following items- Bicycle, any equipment used for sports, exercise, camping or recreation, any portable musical instrument or item of associated equipment

Vero

Contents Insurance

Cover Highlights

  • Stolen Keys cover e limited to $2,000 for any one event
  • Cover for Misuse of Mobile/Smart Phones within 24 hours after being stolen, cover up to $500
  • Cover for jewellery or watch up to $3000 per item and up to $15,000 or 15% of the sum insured whichever is lesser per claim in total
  • Cover limit $3,000 for any bicycle (including any e-bike)
  • $3,000 for any canoe, kayak, surf board, surf ski, kite surfer, paddle board, or windsurfer
  • Can extend cover limit by specifying items. Discuss with the insurer for terms and conditions

Initio

Contents Insurance

Cover Highlights

  • Replacement Contents cover
  • Home Office Covered up to $10,000 in the home and $1,500 away from the home
  • Luggage covered up to $5,000 While travelling in Australia & Pacific Islands
  • Cover for jewellery or watch up to $3000 per item and up to $15,000 per claim in total
  • Cover for Frozen food replacement
  • Keys and locks cover maximum limit is $1,000 for annual period

AMP

Contents Maxi Cover

Cover Highlights

  • Change of Situation and Transit Cover within 30 days of the date the contents are first removed. See terms and conditions
  • Specified Items will be covered for its replacement value up to the amount specified on the schedule
  • Stolen Keys- Benefit will be limited to $2,000 for any one event
  • Home Office or Healthcare Practice Benefit will be limited to $15,000 for any one event
  • Cover for jewellery or watch up to $5000 per item and up to $15,000 per claim in total

AMP

Contents Flexi Cover

Cover Highlights

  • Cover for jewellery or watch up to $3000 per item and up to $15,000 per claim in total
  • Up to $3,000 for any bicycle (including any e-bike)
  • Stolen Keys- Benefit will be limited to $2,000 for any one event
  • Up to $3,000 for any boat (other than canoe, kayak, surfboard, surf ski, kite surfer, paddle board, or windsurfer). Any boat that has a market value of more than $3,000 is not covered by this polic
  • Property used for Trade, Professional, or Business Use - Benefit will be limited to $2,000 in total for any one event

Trademe

Content Insurance

Cover Highlights

  • Cover for the sudden and accidental physical loss or sudden and accidental physical damage to your contents
  • Frozen food cover- over up to the value of $500 for any food loss due to refrigeration equipment accidently stopping
  • Up to $1,000 (excess free) to make your home safe again if you have reason to believe that the security of your contents is compromised - through a stolen key
  • Temporary storage after loss
  • Cover for your contents while you're away for a period up to 42 days so long as your stuff stays in NZ
  • Options benefit - Business tools and equipment
  • Optional benefits- Any claims paid for spectacles or contact lenses will be excess-free.
  • Optional Benefits- Any claims paid for personal aids will be excess-free. Personal aids can include things like dentures, hearing aids and prosthetics

Youi

Content Insurance

Cover Highlights

  • Cover for loss or damage to your contents caused by theft, attempted theft or burglary, damage caused by accidental fire, accidental explosion, Storm, flood, riot (standard cover for riot)
  • Cover for broken glass or ceramics up to a value of 10% of the amount your contents are insured for
  • Up to $2,500 for loss or damage to contents kept outside on your property.
  • Up to $250 per household member, up to a maximum of 6 people, to replace perishable food or medicines that are lost or damaged as the result of an insured event.
  • Up to $500 for replacement keys and locks if the keys to your home are stolen.
  • Cover for contents in transit if they are lost or damaged due to a motor accident or fire whilst they are in the truck of a professional removalist.
  • If you?re moving home, automatic cover for your contents at your new address for up to 14 days.

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