• 10% discount

    Enjoy 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.

  • Combine home & contents

    Save up to 15%. Some things work better together.

  • Access great customer offers, lodge a claim, pay your renewal or update your direct debit with our free State app.

  • Collect Fly Buys points or Airpoints Dollars on every policy with State.

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

Compare contents insurance options

Multi-policy discount
yes
yes
Legal liability cover up to $1,000,000
yes
yes
Cover for valuable single items up to a set limit
yes
yes
Sudden and accidental loss or damage
yes
no
Sudden accidental loss due to specified events
no
yes
Alternative accommodation costs
yes
no
Contents while they’re in storage or transit
yes
no
Hidden gradual damage from leaking water in certain circumstances
yes
no
Home office contents up to $7,500
yes
no
Intentional damage to your belongings
yes
yes
Repair or replacement cover for most items
yes
no
Your belongings in their present condition
no
yes
Policy documents

*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

Choose your contents insurance cover

Contents Comprehensive

The full cover option.
We repair or replace most items, regardless of age, up to the sum insured.

Contents Essentials

The budget-friendly cover.
Ideal when you just want to protect your stuff for specific events like theft or fire.