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.
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.
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.
Insure your contents with us too and you could save with our multi policy or Homepack discounts.*Find out more
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
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.