Contents insurance

From laptops and jewellery to home office equipment, protect the things that matter to you with our range of policies.

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Compare contents insurance

This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.
Replacement value

We’ll replace or repair your contents, up to the limits in your policy and your chosen sum insured amount.


Moving house

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.


One event – one excess

If one event damages or destroys your contents, home or car and you have multiple policies with Tower, you'll only pay one excess.


No claims bonus

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.


Natural disaster damage

If your contents suffer from natural disaster damage which is more than the EQCover limit, we’ll pay the difference, up to the sum insured, minus any applicable excesses.


Liability protection

If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.


Accidental damage anywhere in NZ

We'll pay for loss to your contents anywhere in New Zealand.

Premium
Up to your sum insured
Plus
Up to your sum insured
Most popular
Standard
Up to $5,000

Mobile phone

We’ll cover your mobile phone if it’s damaged, lost or stolen.

Premium
No limit
Plus
Up to $1,000
Most popular
Standard
Up to $500

Jewellery – per item

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.

Premium
Up to $10,000
Plus
Up to $2,500
Most popular
Standard
Up to $1,000

Jewellery – total

This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.

Premium
Up to $30,000
Plus
Up to $15,000
Most popular
Standard
Up to $5,000

Keys and locks

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.

Premium
Up to $2,000
Plus
Up to $1,000
Most popular
Standard
Up to $500

Glasses, hearing aids and dentures

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.

Premium
No excess
Plus
No excess
Most popular

Watercraft

We’ll cover any mechanically or sail propelled watercraft.

Premium
Worth $2,000 or less
Plus
Worth $1,500 or less
Most popular
Standard
Worth $500 or less

Students contents cover

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.

Premium
Up to $10,000
Plus
Up to $5,000
Most popular
Standard
Up to $5,000

Home office equipment

If you operate a business from your home, we’ll cover your home office equipment.

Premium
Up to $10,000
Plus
Up to $5,000
Most popular

How much are your contents worth?

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

* Ts&Cs apply. Discount excludes RoadWise, government levies and taxes.