1.
Answer a few simple questions about you and your contents.
2.
Decide how much cover you need and review your quote.
3.
Buy online by credit or debit card or by direct debit from your bank account.

Get more from your contents insurance

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.

Comprehensive contents insurance

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.

Get a quote

Or protect your belongings for specific events only with Contents essentials cover

Contents calculator

Work out the value of the contents in your home so you know how much cover you need.

Work out your contents value

Contents insurance options

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
Temporary accommodation costs
Show more options
Get a quote
*Discounts apply to the base premium amount (or the net base premium amount after deduction of any other discount(s)) and do not apply to government levies, GST or optional extensions

From 1 December 2014, State will no longer issue Favourite Things policies. We will honour any policy up until that date. If you are a Favourite Things customer and want to talk about your options, please give us a call on 0800 80 24 24

Combine your house and contents insurance and get a great discount

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.

Find out more


Or, find out about HousePack Essentials

Frequently asked questions

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.

Get a comprehensive contents insurance quote now...   
Get a quote
Get a comprehensive contents insurance quote now...