Get more from your contents insurance

Sudden and accidental loss or damage: We cover your belongings if they’re lost or damaged while they’re in your home or temporarily being used elsewhere in New Zealand.
Repair or replacement cover for most items: We’ll repair or replace your belongings as if they were new, except the items specified in the policy as being covered for present value only.

For belongings like books, clothing, computer software and camping equipment that are covered for their present value, we’ll either pay the cost of repairing them to the condition they were in before the loss, or we’ll pay you what they were worth.

There are limits to the cover we offer for valuable objects like cameras, surfboards, bicycles and jewellery but you can arrange a higher level of cover by specifying these items in your policy.
Temporary accommodation costs: If you can’t live in your home because of a loss covered by this policy, we’ll pay up to $20,000 for other accommodation for you, your family and your pets. We’ll also pay to move your belongings to your temporary accommodation or to a secure storage facility, as well as the cost of moving them back home when the time is right.
Contents while they’re in storage or transit: We'll cover your belongings while in transit to your new home.* If you are storing your belongings in commercial storage facility we’ll cover you for up to six months, provided we have approved the storage arrangements. *Cover is for defined events only.
Hidden gradual damage from leaking water in certain circumstances: We cover up to $2,500 per annum for hidden gradual damage to your belongings, which is hidden rot, mildew or deterioration caused by water leaking from an internal water pipe or tank.
Legal liability cover up to $1,000,000: We’ll cover your legal liability if you accidentally damage someone else’s property or if you accidentally injure somebody. Provided they're approved by us in advance, we may also pay your legal fees. There are exceptions to this cover such as for damage caused by your vehicle or watercraft.
Home office contents up to $7,500: If you have an office at home, we’ll cover loss or damage to the furniture and equipment provided you own it. If you take the furniture and equipment somewhere else, the limit does reduce significantly.
More about Contents comprehensive insurance: Food spoilage

If your refrigerator or freezer stops working or there’s a prolonged power cut, we’ll pay to replace food items that perish, just not if the food was for business. This cover will also pay to have the defrosted freezer cleaned before you fill it back up again.

Credit card theft

If your credit or debit cards are stolen and used fraudulently, we’ll pay up to $500 towards money that can’t be recovered provided that you've complied with the terms and conditions of your credit card.

Fatal injury

If you’re fatally injured because of a fire or burglary in your home, we’ll pay $7,500 to your legal representative.
Intentional damage

Your belongings are covered for intentional damaged caused by fire or explosion, as long as the fire or explosion was caused by tenants, or someone living in your home other than you, your partner or a family member.

Stress payment

If we pay a claim for the total loss of the contents, we’ll pay you an $1,000 for the stress you have suffered. You can spend this however you want.

Up to $10,000 for a single ornament or work of art

If you have a valuable ornament or work of art, you can rest assured it’s covered for up to $10,000. If you have lots of high value items we recommend you specify them on your policy to ensure they’re covered.
Use our contents calculator: How much do I need ? Try this quick calculator.
Download our Contents comprehensive insurance policy: The above information is intended as a guide only. There are exclusions, limits and conditions to the cover provided. Download the Policy Wording.

Call for a quote
0800 80 24 24
or email the State Team

This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our
Contents comprehensive insurance policy (PDF).