Home Insurance
State’s been insuring Kiwis for over 100 years. We’ve been recognised as one of New Zealand’s most trusted insurers for 8 years in a row and awarded for providing quality service to our customers. With an AA- financial strength rating, State has a ‘Very Strong’ claims paying ability, so you can be sure State will be able to pay out on your claims. Find out more.
Some of the good stuff you get with State.
State’s award-winning Home Comprehensive insurance includes:
Natural disaster cover for things like earthquakes and natural landslips.
Save time and money if you insure both your home and its contents with State HomePack insurance.*
Earn 1 Flybuys for every $25 of premium you pay.**
Cover for sudden and accidental damage to your home, including damage caused by your pets.
Repair or replacement cover for your home up to your nominated sum-insured amount.
Pay only one excess if you need to make a claim for both your home and its contents, insured at the same address, for the same event. The highest excess applies.
Discounted premium if you keep your home policy with State for more than a year.*
24/7 online and on-call customer service for your house insurance claims and questions.
Compare your home insurance options
Comprehensive
Essentials
Multi-policy discount*
Legal liability cover up to $1,000,000
Sudden and accidental damage to your home
Alternative accommodation
Hidden gradual damage from leaking water in certain circumstances+
Restoration of your garden or lawn
$250 excess for glass breakage
Replacement of keys and locks up to $500
Work out your Sum Insured
Use the Cordell Sum Sure calculator to figure out how much you need to insure your home for. This is really important because it informs your ‘Sum Insured’ amount, which is the most we’ll pay for a total loss claim – for instance, if a natural disaster took out your property. It should reflect how much it would cost to rebuild your home and account for rising building costs, inflation, demolition costs, consents and other fees.
Which home insurance is right for you?
-
Home Comprehensive
Full cover for your home up to the amount you choose to insure it for. Cover for all sorts of unwanted surprises such as broken locks and windows. You’re also covered for temporary accommodation up to $20,000 if damage makes your home unliveable, and hidden gradual damage up to $2,500 a year.
-
Homepack Comprehensive
Combine our Home and Contents Comprehensive policies at the same address and save up to 15%.*
-
![Home Essentials]()
Home Essentials
Just want cover for the essentials? Look no further. If your home is damaged by certain events, you’ll be covered up to present value or the amount you insured your home for (whichever is less).
-
![Homepack Essentials]()
Homepack Essentials
Combine our Home and Contents Essentials policies at the same address and save up to 15%.*
Additional benefits
-
![]()
Save with State
Insure your contents with us too and you could save with our multi policy or Homepack discounts.*
Find out more -
![]()
Do it online
Manage your insurance quickly and easily online with My State, your online account. Update details, get policy info, make a payment or claim, plus more.
Find out more -
![Flybuys]()
Earn Flybuys
State is the only general insurance company that offers Flybuys. Earn Flybuys on every policy with us.** Flybuys T&Cs apply.
Find out more
*Discounts apply to the company premium before optional extras, levies and GST are factored in. If you get two or more discounts, we may choose to apply each discount one after another.
**Flybuys Membership Terms and Conditions apply.
You may also be interested in
Contract works
insurance
Find
out more
Landlord
insurance
Find
out more
Contents Insurance
Find out more
Our phone lines are much busier than usual, so there may be a long wait.
Did you know you can pay, claim, cancel, and more online? View all online options.
Alternatively, talk to Sam, our Chatbot, who can help with simple insurance questions.