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Contents insurance - save $50 when you purchase a policy*

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Get a contents quote Get a house and contents quote
New for old
New for old  

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

One event, one excess
One event, one excess

If one incident means you need to claim on multiple Tower policies, you’ll only pay one excess. The highest excess applies.

Multi-policy discount
Multi-policy discount 
 

Save up to 20% when you take out two or more Tower policies.

More on multi policy

Compare contents insurance

This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.
Most popular option highlighted
WriteMark Plain Language Standard

This policy has been awarded the WriteMark Plain Language Standard. Find out more

Premium
Plus
Standard
Replacement value

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

Premium
Plus
Standard
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.

Premium
Plus
Standard
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.

Premium
Plus
Standard
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.

Premium
Plus
Standard
Natural disaster damage

If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.

Premium
Plus
Standard
Liability protection

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

Premium
Plus
Standard
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
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
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
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
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
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
Standard
Watercraft

We’ll cover any mechanically or sail propelled watercraft.

Premium
Worth $2,000 or less
Plus
Worth $1,500 or less
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
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
Standard
Get a contents quote and save $50
 

What it doesn't cover

  • Other people’s property

    Items in your house owned by your flatmates, boarders or guests.

  • Valuables outside of New Zealand

    If you move your valuables to another country or try to insure items in a home you have overseas.

  • General wear and tear

    Ageing and normal wear to your valuables.

Save up to 10% with House and Contents

House and Contents

There are lots of great reasons to choose Tower for your House and Contents insurance. Check out our policy benefits below.

Start a quote online and we'll take up to 10% off your combined premium when you buy House and Contents policies together as a bundle. Ts&Cs apply.

The list of house insurance benefits and contents insurance benefits below are a summary only.

House insurance benefits
  • Full replacement for fire
  • One event - one excess
  • Award-winning Plain Language policy wording
  • Replacement of house keys and locks if they are lost or stolen
  • Cover for temporary accommodation expenses if your house becomes uninhabitable
  • Reduced excess for glass breakage*

*This benefit applies to House Premium and Plus policies only.

 
Contents insurance benefits
  • Replacement value for your contents (new for old)
  • One event - one excess
  • Award-winning Plain Language policy wording
  • Temporary accommodation if your house/flat is uninhabitable
  • Excess free spectacles, contact lens, hearing aids, and dentures claims^
  • Cover for accidental damage you cause to others property

^This benefit applies to Contents Premium and Plus policies only.

Bundle Offer

What our customers say

Easy online claim. Accepted within 24 hours.

Claimed for damaged items

July 2020

Always pleasant and supportive, checked in and worked through issues in a timely manner.

Claimed for stolen contents

July 2020

Very knowledgeable and friendly. Listened and helped with questions that I had.

Claimed for accidental damage

July 2020

Quote checklist

Here are some things you'll need to know to complete your quote:

  • The value of your contents. It's common to underestimate the value of what you have.
  • If you want to insure any single item worth more $10,000. This will need to be insured individually.
  • Details of any big ticket items like jewellery, works of art or collections. High value items need to be listed individually if they're worth more than the policy limits.
Get a quote

Register for My Tower and be in to win a year's free insurance!

Simply register for My Tower to enter the draw. Ts&Cs apply.

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

Contents insurance FAQs

Expand all Collapse all

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.

Discover

How to calculate your contents value
'How much is my stuff worth?'

People often underestimate the value of their contents but there are things we all take for granted. It all adds up. 

See more
how to insure your jewellery
How to insure your jewellery

Here's our guide on how to make sure your expensive jewellery is adequately insured. 

See more
A young family in their home
Moving house

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.

See more

See all contents

* Online discount Ts&Cs
** Airpoints Ts&Cs