Claim
Login

Home and contents insurance combo.

Save time and get house and contents cover in one policy. Less admin. More life.

Grab a quote
Sum insured calculators

Our best Home and contents insurance policy perks.

A natural hazard event damages your home and stuff.

If Mother Nature sends a storm, flood, earthquake, or landslide your way, we’ll pay to repair or rebuild your house and replace your stuff.

You discover damage from hidden leaks.

If you’ve got a pesky pipe leaking inside your walls, we’ll pay up to $3,000 to fix the damage caused to your home or contents.

You need a temporary place to stay.

If your home can’t be lived in due to something we cover, we’ll pay up to $30,000 for a place for you, your fam, and furry friends.

Grab a quote

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.


What’s covered? Download the details.

Select cover option

All the bells and whistles

Home and contents insurance

Home and contents insurance

Natural hazard damage cover for your home and belongings
Repair or replacement of most belongings accidentally lost, damaged, or stolen anywhere in NZ
Temporary accommodation costs

Up to $30,000 per event

Hidden gradual damage caused by internal plumbing leaks

Up to $3,000 a year

Excess free replacement of keys and locks
Legal liability cover

Up to $2 million

Home replacement for total loss after a non-natural hazard fire for qualifying homes*
Contents insured at both addresses for two weeks while moving house
Replacement of whiteware appliances with a more energy efficient model
Contents with you or your family while overseas in Australia or the South Pacific Islands

Up to $5,000 per trip
(max. 3 week trip)

Water or sewage pipe blockage

Up to $500 a year

Retaining walls on property

Up to $50,000
(higher limit available)

Stress payment after a total loss

$2,000

All the bells and whistles

Home and contents insurance

Home and contents insurance

Natural hazard damage cover for your home and belongings
Repair or replacement of most belongings accidentally lost, damaged, or stolen anywhere in NZ
Temporary accommodation costs

Up to $30,000 per event

Hidden gradual damage caused by internal plumbing leaks

Up to $3,000 a year

Excess free replacement of keys and locks
Legal liability cover

Up to $2 million

Home replacement for total loss after a non-natural hazard fire for qualifying homes*
Contents insured at both addresses for two weeks while moving house
Replacement of whiteware appliances with a more energy efficient model
Contents with you or your family while overseas in Australia or the South Pacific Islands

Up to $5,000 per trip
(max. 3 week trip)

Water or sewage pipe blockage

Up to $500 a year

Retaining walls on property

Up to $50,000
(higher limit available)

Stress payment after a total loss

$2,000

Plain language policy wording

Home and contents quote
Call 0800 80 24 24

*To qualify, you'll need to choose a sum insured that is equal to or greater than the estimate provided by the Sum Sure calculator.

This is a summary only, for a full list of the benefits as well as exclusions and other terms, check your policy wording.

Note: If you already have a policy with us, you may have a different policy wording to the PDF above. Check your policy details, then find your policy wording on our Policy documents page.

Cover-it-right calculators.

Home rebuild cost calculator

Use the NZ Sum Sure calculator to help you work out an estimated rebuild cost for your home. Be sure to read the T&Cs. Boring but important.

Use calculator
Learn about sum insured

Contents total value calculator

Use the Sum Insured Pty Ltd’s contents sum insured calculator to estimate the total value of your things room-by-room. Be sure to read the T&Cs. Boring but important.

Use calculator
Learn about sum insured

Tick off insurance-y tasks.   

Log in or register for a My State online account to:

What’s great about State.

Plain language policies.

Our Home and Contents policies are written in plain language. WriteMark accredited. Not such a chore to read.

Enjoy a cover combo.

Save time and hassle by getting home and contents cover in one policy. Less admin. More life.

Get ‘appy. Job done.

No need for opening hours. Download the State app or log in to My State, your online account, to get insurance-y stuff done.

Backed-up by the goods.

Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.

Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.

Our AA Financial strength rating means we have a very strong claims-paying ability.

Your FAQs answered.

Buying the cheapest house and contents insurance can be tempting, but there are a few things to consider before committing to an insurance policy. To compare quotes accurately, it’s worth checking:

  • the policy features and limits – some insurance policy features have limits, so it’s important to compare these and choose the cover that best meets your needs.
  • the financial strength rating of the insurance company – this tells you whether the insurer has the means to pay-out on your claims. This is particularly important in NZ because we can experience widespread damage in areas due to natural hazards.

  • Accidental loss: Unexpected and unintended physical loss or damage.
  • Claim: A request made to your insurance company to compensate you financially for something covered by your policy.
  • Cover: The protection provided by an insurance policy.
  • Excess: The excess is the first amount of your claim that you must pay.
  • Exclusion: Specific conditions or circumstances that the policy does not cover.
  • Premium: The amount you pay for the financial protection your insurance policy provides.
  • Sum Insured: The maximum amount your insurer will pay for a covered loss.

Still searching? We’ve got options.

Home
Insurance

Find out more

Contract Works Insurance

Find out more