We'll cover your home and contents for sudden and accidental loss or damage caused by a range of events that are identified in the policy. These include fire, earthquake, storm or flood, landslip, theft following violent and forced entry, fire, flooding, riots, vandalism and the impact of a vehicle.
We’ll repair or rebuild your home up to the Home Sum Insured. If we determine it’s not economically viable to repair your home there are other options available. You can choose to rebuild on the same or a different site. You can also choose to buy another home or agree to a cash payment.
We’ll also repair or replace all your belongings as if they were new, except the items specified in the policy as being covered for present value only. For those items, we’ll either pay the cost of repairing them or we’ll pay you what they were worth before the loss.
When we accept your claim, we'll either pay you an amount that's equivalent to the value of the damaged part of your home and damaged belongings, or we'll repair them to the condition they were in before the loss occured.
We'll cover your legal liability if you accidentally damage someone else's property or injure somebody, anywhere in New Zealand. Provided you check with us first, we may also pay your legal fees.
This doesn’t apply where:
We'll cover your home if it is damaged by a fire or explosion that's intentionally caused by a tenant or someone living in your home other than you, your partner or a family member.
The cover we provide for some valuable items like jewellery and watercraft has pre-set limits but you can organise more cover by specifying items on your policy.
From now on, the way State insures your home is going to be different. When your home insurance renews, your home will shift from being insured for an unspecified replacement cost to being insured for up to a maximum specified amount. This amount is called a Home Sum Insured.
Find out more here.
The above information is intended as a guide only. There are exclusions, limits and conditions to the cover provided. Download or view the Home essentials policy and the Contents essentials policy.
This is only a summary of the benefits provided. There are exclusions and limits to the cover we provide. For details of the cover provided, please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply and this summary of benefits table may change at any time. Please refer to the Home Essentials Insurance policy (PDF) and Contents Essentials Insurance policy (PDF) or View our online brochure (PDF).