Landlords Contents insurance to count on.

Cover for the stuff you own, and your tenants use.

Landlord’s Contents policy perks.

Your rental property’s fridge loses its cool.

If your rental’s furnishings or appliances are damaged by accident or from a natural hazard event, we’ll pay to repair or replace most items.

The carpet is damaged by a hidden leak.

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

Your rental becomes unfit to live in. Yikes.

If there’s an official evacuation order, or damage to your rental home or contents makes it unliveable, we’ll pay up to $30,000 for lost rent.

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? Get the scoop.

Select cover option

Landlord's Contents insurance

Landlord's Contents insurance

Natural hazard damage cover for your landlord's contents
Loss of rent while your rental home is unliveable

Up to $30,000

Removal of abandoned possessions

Up to $10,000

Removal of unrepairable items
Damage or theft by tenants
Hidden gradual damage to your landlord’s contents

Up to $3,000 per year

Replacement of whiteware appliances with a more energy-efficient model
Legal liability cover

Up to $5,000,000

Sudden and accidental loss or damage to your landlord’s contents

Optional benefits

Optional benefits

Rent default benefit for if your tenant leaves without notice, and other situations

Optional extra

Landlord's Contents insurance

Landlord's Contents insurance

Natural hazard damage cover for your landlord's contents
Loss of rent while your rental home is unliveable

Up to $30,000

Removal of abandoned possessions

Up to $10,000

Removal of unrepairable items
Damage or theft by tenants
Hidden gradual damage to your landlord’s contents

Up to $3,000 per year

Replacement of whiteware appliances with a more energy-efficient model
Legal liability cover

Up to $5,000,000

Sudden and accidental loss or damage to your landlord’s contents

Optional benefits

Optional benefits

Rent default benefit for if your tenant leaves without notice, and other situations

Optional extra

Plain language policy wording

This is just a summary. For a full list of the benefits as well as exclusions and other terms, read the policy wording.


Our NZ Landlord insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.

Note: If you’re already insured with us, you may have a different policy wording to the one outlined above. Check your details and find your policy on our Policy documents page.

Benefits to brag about.

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.

Landlord’s Contents insurance is useful to consider for people who have a tenanted investment property that is fully or partially furnished.

This policy comes with optional benefits that protect against the financial burden of lost rent. With the optional Rent default benefit, we cover up to 15 weeks of lost rent if your tenant moves out without notice or is evicted due to unpaid rent.

Buying the cheapest landlord 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 disasters.

Accidental loss: Unexpected and unintended 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 amount you contribute towards a claim before your insurer pays the rest of your entitlement.

Exclusion: Specific conditions or circumstances that the policy does not cover.

Premium: The amount you pay for the financial protection your insurance policy provides.

Need different cover?
Compare these options.

Landlord’s Home insurance

Landlord’s Home and Contents insurance