Get great discounts
Enjoy a no claim discount of up to 40% and a multi-policy discount of up to 10%*.
Contents out of the home
We cover your contents inside your house or when temporarily removed, anywhere in New Zealand.
Collect Fly Buys™ or Airpoints™
Collect Fly Buys points or Airpoints Dollars on every policy with State.
If the unexpected happens, we're here to help. We'll repair or replace most items, regardless of age, up to the sum insured. We'll also provide cover for temporary accommodation for you and your pets if you can’t stay in your home due to a covered loss.
Or protect your belongings for specific events only with Contents essentials cover
Work out the value of the contents in your home so you know how much cover you need.
No claim discount and multi-policy discount
Legal liability cover up to $1,000,000
Cover for valuable single items up to a set limit
Sudden and accidental loss or damage
Alternative accommodation costs
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Some things just work better together. With HousePack Comprehensive insurance we’ll restore your house, up to the House Sum Insured. We’ll also cover your belongings while they’re in your home or temporarily being used elsewhere in New Zealand. HomePack still counts as two policies towards your multi-policy discount.
Or, find out about HousePack Essentials
If you get a quote and want to buy online you can pay annually by credit card or debit card or pay monthly or fortnightly by direct debit from your bank account.
Otherwise if you can pay annually by: credit card over the phone, eftpos/debit card or cash at your local post shop, or by posting a cheque.
If you prefer to pay monthly or fortnightlyyour options are direct debit from your bank account, or credit card.
While many of your belongings can be replaced, we don’t insure them all for full replacement and we have limits on some items. You can read more detail about this in ‘What you get if we accept your claim’ on page 4 and ‘What your policy covers’ on page 5. It’s important to have enough cover for all your contents. To make sure you do, try our online contents calculator, or visit your local State sales centre.
To make sure your partners' or family members contents are insured under your policy, you'll need to call us on 0800 80 24 24 anytime, and let us know. We'll add their details to the policy and increase your Sum insured to reflect the increase in the contents that are now kept in your home
If you make a claim, we may ask you to provide us with ‘proof of purchase’ or ‘proof of ownership’ for some items. Receipts are best, but we may also accept bank statements, video recordings, photos, operating/instruction manuals, credit card statements and original packaging. In addition, retailers are required to keep copies of sales transactions for a certain time, so you may be able to get details of your transactions from the retailer from whom you bought the item(s).
You’ll pay an excess for most claims. We’ll do our best to recover your excess from any other person responsible for your loss, but sometimes we are unsuccessful, or the circumstances don’t allow us to recover any money. I’m going overseas on holiday.
Your policy only covers your belongings while you’re in New Zealand. If you’re going overseas, we recommend you buy a travel policy to cover your belongings while you’re away. It’s quick and easy to arrange – just phone us on 0800 80 24 24.
You guys are great! Have only made a couple of claims over the last few years, and each time I have had items fixed/replaced within a week, no hassles at all.
State Insurance. Don’t need them often but so good. 5 minute phone call sorting out a claim. No drama just polite & helpful. Love it.