Home Insurance

Protecting one of the biggest investments in your life.
Get a quote online Call us on 0800 80 24 24

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.

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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

Full cover
Limited cover
Multi-policy discount*
Legal liability cover up to $1,000,000
Sudden and accidental damage to your home
Defined events only See policy wording for full details
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
Download policy wordings
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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

    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.

    Find out more

  • Homepack Comprehensive

    Homepack Comprehensive

    Combine our Home and Contents Comprehensive policies at the same address and save up to 15%.*

    Find out more

  • 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).

    Find out more

  • Homepack Essentials

    Homepack Essentials

    Combine our Home and Contents Essentials policies at the same address and save up to 15%.*

    Find out more

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

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Landlord insurance

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Contents Insurance

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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.