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We’ll replace or repair your contents, up to the limits in your policy including your sum insured.
If one incident means you need to claim on multiple Tower policies, you’ll only pay one excess. The highest excess applies.
Save up to 20% when you take out two or more Tower policies.
This policy has been awarded the WriteMark Plain Language Standard. Find out more
We’ll replace or repair your contents, up to the limits in your policy and your chosen sum insured amount.
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
If one event damages or destroys your contents, home or car and you have multiple policies with Tower, you'll only pay one excess.
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
We'll pay for loss to your contents anywhere in New Zealand.
We’ll cover your mobile phone if it’s damaged, lost or stolen.
Individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they’re covered. You’ll also need to pay extra to cover them.
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
If your prescription glasses, contacts, hearing aids or removable dentures are damaged, lost or stolen, we’ll repair or replace them. If you are one of our Plus or Premium customers, you won't pay an excess.
We’ll cover any mechanically or sail propelled watercraft.
If your child is a student living at a halls of residence, a school hostel or at a private home as a boarder, we’ll cover their contents too.
If you operate a business from your home, we’ll cover your home office equipment.
Tower Insurance is a member of the Insurance Council of New Zealand (ICNZ) and we abide by the ICNZ Fair Insurance Code.
Learn more about the Fair Insurance Code
Items in your house owned by your flatmates, boarders or guests.
If you move your valuables to another country or try to insure items in a home you have overseas.
Ageing and normal wear to your valuables.
Making my claim online was great. Reassuring at a time of stress.
Claimed for stolen items
February 2020
First time I have claimed and was a lot easier than I thought it would be.
Claimed for BBQ catching on fire
Thank you to the lovely team who handled my claim. It felt stress free!
Claimed for damaged smartphone
Here are some things you'll need to know to complete your quote:
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Knowing how much to insure your contents for can be tough and it's easy to underestimate. Learn about getting this value right and try our easy contents calculator.
Calculating your contents value
No. Contents insurance only covers your items while you're travelling within New Zealand.
If you're heading overseas, take out a travel insurance policy with us to make sure you're covered.
Learn more about travel insurance
Our Plus and Premium contents insurance policies do cover your home office. Plus gives cover up to $5,000 at your house and Premium gives cover up to $10,000 at your house.
This coverage applies to any furniture and equipment primarily used at home to earn income. This includes hardware and purchased software.
For more detailed information, check the Plus and Premium contents policies or call us on 0800 379 372.
No. Your contents policy only covers items you own. Each flatmate should consider getting their own insurance to make sure everything in the house is covered.
Your policy does cover your partner and any of your children you flat with. Make sure you include the value of their items in your policy.
For more details, see our Premium, Plus and Standard contents insurance policies.
Don't worry. All of our contents policies cover mobile phones starting from $500 cover on our Standard policy, up to no limit on our Premium policy.
Want our Standard or Plus policy, but need more cover for your phone? No problem – just let us know and we'll increase the limit for that item.
If your phone needs repairing, we have a network of skilled technicians who can handle this for you.
Learn more about our smartphone and computer repair service
Yes. Our contents policies cover your prescription glasses and sunglasses, contacts, hearing aids and removable dentures. We'll repair or replace them if they are damaged, lost or stolen.
We know how important these items can be to your quality of life, so we strive to get these sorted as soon as possible.
If you have either the Plus or Premium contents policy claims for these items will be excess free.
It can be difficult to know how much any specific item is worth, especially after you've owned it for a few years. As a rule of thumb, consider how much it would cost to replace your contents. Not just your electronics and jewellery, but your clothing and kitchen utensils.
To help you estimate this cost, look at prices for similar items. Be aware of sales while you do this. To be safe, always use the standard retail price.
People often underestimate the value of their contents but there are things we all take for granted. It all adds up.
Here's our guide on how to make sure your expensive jewellery is adequately insured.
Moving house in New Zealand can be a stressful experience. We’ve put some tips together to help you prepare for your next home move.
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