How do I calculate the value of my stuff?

Use a contents insurance calculator for a more accurate estimate of what your stuff is worth. Include everything you own so you have enough cover should the worst happen. Remember, getting the cheapest contents insurance may not give you the cover you need in the event of a total loss. Calculate the value of your contents

How do I know which insurance is best for me?

Buying the cheapest contents insurance can be tempting, but there are a couple of watchouts to be aware of. To compare quotes side by side, take note of: the policy cover and limits – some insurance policies have limits on certain cover benefits, so it’s important to compare these and choose the cover that is best for you. the financial strength rating of the insurer – this informs you of if the insurance company will be able to pay-out on claims. In NZ, the financial strength rating is really important because we can experience widespread damage in areas due to natural disasters.

Insurance-y words explained.

Accidental loss: Unexpected and unintended damage. . Claim: A request 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. . Exclusions: Scenarios and items the insurance policy does not cover. . Premium: The amount you pay for the protection your insurance policy provides. . Sum Insured: The most your insurer will pay for a covered loss if you were to lose everything.

Renters insurance
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Protect your stuff with our Contents insurance.

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Tally up stuff

$100 back to spend on the fun stuff. Woohoo! 

Buy new Contents cover online. Get a $100 digital Visa card back. Fist bump. T&Cs apply. 

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Offer details

Top policy perks for renters.

If your belongings are accidentally damaged in a mishap or get lost, we’ll replace most items.

Your phone drops in the toilet. Oops.

If your belongings are accidentally damaged in a mishap or get lost, we’ll replace most items.

You’re moving house and have stuff at both places.

We’ll cover your belongings at two addresses for two weeks if you move to a new home in NZ.

You crash your bike into a Tesla.

You get up to $2 million liability cover for if you accidentally damage someone else’s property and legally have to pay for it.

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This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

Good at award-winning. Great at insurance.

We're Canstar’s 2025 - 2026 Outstanding Value – Home and Contents Insurance Award winner.

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What's covered? Get the deets.

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All the bells & whistles

What's included

Repair or replacement of belongings accidentally lost, damaged or stolen anywhere in NZ

Repair or replacement of belongings accidentally lost, damaged or stolen temporarily in Aus or South Pacific Islands

Up to $5,000 per trip (max 3 weeks)

Cover at two addresses while moving to a new home

Replacement of whiteware appliances with a more energy-efficient model

Gradual damage to your belongings from hidden leaks.

Up to $3,000 per year

Bicycles and e-bikes

Up to $3,000 per item
(higher limit available) 

Jewellery and watches

(limits apply)

Contents in storage that you’ve told us about

Temporary accommodation costs

Up to $30,000

Food spoilage from appliance breakdown or accidental power outage

Up to $1,000

Excess-free replacement of keys and locks

Legal liability cover

Up to $2,000,000

Optional benefits

Excess-free spectacles, dentures and hearing aids

Optional extra

Lifestyle block contents and tools of trade

Optional extra

Plain language policy wording

Download

All the bells & whistles

What's included

Repair or replacement of belongings accidentally lost, damaged or stolen anywhere in NZ

Repair or replacement of belongings accidentally lost, damaged or stolen temporarily in Aus or South Pacific Islands

Up to $5,000 per trip (max 3 weeks)

Cover at two addresses while moving to a new home

Replacement of whiteware appliances with a more energy-efficient model

Gradual damage to your belongings from hidden leaks.

Up to $3,000 per year

Bicycles and e-bikes

Up to $3,000 per item
(higher limit available) 

Jewellery and watches

(limits apply)

Contents in storage that you’ve told us about

Temporary accommodation costs

Up to $30,000

Food spoilage from appliance breakdown or accidental power outage

Up to $1,000

Excess-free replacement of keys and locks

Legal liability cover

Up to $2,000,000

Optional benefits

Excess-free spectacles, dentures and hearing aids

Optional extra

Lifestyle block contents and tools of trade

Optional extra

Plain language policy wording

Download

Grab a quote

Call 0800 80 24 24

This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording. 

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

Icing on the insurance-cake.

Simple, upfront prices.

We don’t hide behind discounts and equations. We give you a great price upfront. Simple is best.

No small talk. Just quick claims.

Make car and contents claims online. We even auto-approve them sometimes. Zippy.

Do it online. Make it sn-appy.

Download the State app or My State, your online account, to get insurance-y stuff done. Anytime. Anywhere. Great for night owls.

Backed-up by the goods.

Highly commended in the New Zealand, General Insurer of the Year category for 13 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.

Questions? We got you.

Use a contents insurance calculator for a more comprehensive estimate of the total value of your belongings. Make sure to include everything you own so you aren’t caught short if you were to lose everything. Remember, getting the cheapest contents insurance may not give you the best cover in a total loss event like a flood or earthquake.

Calculate the value of your contents

Although going for the cheapest insurance may be appealing, it's important to weigh up several factors before making a decision. To effectively compare different policies, consider the following points:

Policy cover and limits: Insurance policies can vary in what they cover and the level of protection they offer. It’s important to compare limits to ensure you choose the best option for your specific needs.
Insurer's Financial Strength: This rating reflects how capable the insurer is of paying out claims. Particularly in regions like New Zealand, where natural disasters can cause significant losses, ensuring your insurer is financially secure is crucial.

To help you understand insurance better, we've explained some common insurance terms in our glossary. Visit State insurance terms glossary.

Renters insurance
with rizz.

$100 back to spend on the fun stuff. Woohoo!