Contents insurance
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Save with State
Insure your car or home with us as well and you'll save with our Multi-Policy Discount.
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Contents out of the home
We cover your contents inside your house or when temporarily removed, anywhere in New Zealand.
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Access great customer offers, lodge a claim, pay your renewal or update your direct debit with our free State app.
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Collect Fly Buys points on every policy with State.
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Work out the value of contents in your home so you know how much cover you need.
Compare contents insurance options
- Multi-policy discount
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yesyes
- Legal liability cover up to $1,000,000
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yesyes
- Cover for valuable single items up to a set limit
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yesyes
- Sudden and accidental loss or damage
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yesno
- Sudden accidental loss due to specified events
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noyes
- Alternative accommodation costs
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yesno
- Contents while they’re in storage or transit
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yesno
- Hidden gradual damage from leaking water in certain circumstances
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yesno
- Home office contents up to $7,500
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yesno
- Intentional damage to your belongings
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yesyes
- Repair or replacement cover for most items
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yesno
- Your belongings in their present condition
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noyes
- 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.
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.