Home Comprehensive
State Home Comprehensive insurance means we pay to restore your home as it was when it was new, using up-to-date materials and building methods.
What you're covered for:
- repair or replacement of your home if it's suddenly damaged or destroyed, for example, by fire or flood damage
- up to $20,000 towards alternative accommodation if you have to live somewhere else while your home is being repaired or rebuilt
- a ‘top-up’ on cover provided by the Earthquake Commission for events such as earthquake, volcanic eruption, hydrothermal activity, landslip or tsunami
- legal liability protection for damage to other people's property up to $1,000,000
- replacement of lost or stolen keys up to $500
- gradual damage caused by water leaking in certain circumstances, up to $2,500
For full details of the cover provided read the Home Comprehensive policy document (PDF). 
Discounts to help you save
Ask us if you qualify for:
- a No Claim Discount of up to 40%.
- a premium discount for having a higher excess.
- a Multi Policy Discount - If you have your contents insured with State, when you take out another home, car, contents or motorcycle policy with us you qualify for a Multi Policy Discount.
- a Linked Policy Discount - if you insure both your home and your contents at the same address you can choose to cover them as a single policy called HomePack, which qualifies you for our Linked Policy Discount.
To get a quote online click here or to find out more or to speak to a State sales representatives about your insurance needs call us on 0800 80 24 24 or visit your local State Sales Centre.
