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Contents insurance quote

Use promo code SAVE50 or AIR50 to save $50 or earn 50 Airpoints Dollars™ per policy when you buy online*

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Tower Insurance

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Save $50
SAVE50

Use promo code SAVE50 to save $50 per policy when you buy online*

Get a quote - SAVE50
50 Airpoints Dollars ™
SAVE50

Use promo code AIR50 to receive 50 Airpoints Dollars™ per policy when you buy online*

Get a quote - AIR50
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
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.
 

Premium

Plus

Standard

WriteMark Plain Language Standard

This policy has been awarded the WriteMark Plain Language Standard.

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Premium

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Plus

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Standard

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Replacement value

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

Premium

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Plus

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Standard

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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

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Plus

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Standard

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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

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Plus

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Standard

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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

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Plus

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Standard

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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

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Plus

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Standard

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Liability protection

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

Premium

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Plus

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Standard

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Accidental damage anywhere in NZ

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

Premium

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Up to your sum insured

Plus

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Up to your sum insured

Standard

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Up to $5,000

Mobile phone

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

Premium

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No limit

Plus

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Up to $1,000

Standard

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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

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Up to $10,000

Plus

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Up to $2,500

Standard

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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

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Up to $30,000

Plus

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Up to $15,000

Standard

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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

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Up to $2,000

Plus

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Up to $1,000

Standard

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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

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No excess

Plus

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No excess

Standard

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Watercraft

We’ll cover any mechanically or sail propelled watercraft.

Premium

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Worth $2,000 or less

Plus

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Worth $1,500 or less

Standard

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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

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Up to $10,000

Plus

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Up to $5,000

Standard

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Up to $5,000

Home office equipment

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

Premium

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Up to $10,000

Plus

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Up to $5,000

Standard

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This policy has been awarded the WriteMark Plain Language Standard.

Find out more

Learn More
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Get a contents quote

ICNZ - Insurance Council of New Zealand logo 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

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

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 bundle
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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.

Get this bundle

What our customers say

Easy online claim. Accepted within 24 hours.
 
 
Claimed for damaged items
Always pleasant and supportive, checked in and worked through issues in a timely manner.
 
 
Claimed for stolen contents
Very knowledgeable and friendly. Listened and helped with questions that I had.
 
 
Claimed for accidental damage

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

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 calculator

Contents insurance FAQs

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Does contents insurance cover my stuff overseas?  

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

Do you cover home office equipment?

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.

Does my contents policy cover my flatmates?

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.

What if I lose or damage my phone?

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

Can I cover my hearing aid or spectacles?

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.

How do I know what my items are worth?

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

Does my home office need business insurance?

If you’re running a small business from home, here’s what you need to know about insurance cover.

How to save money on your insurance

You’ve shopped around for the best insurance cover, and now you want to make sure you’re getting the best deal.

How to insure jewellery

Here’s our guide on how to make sure your expensive jewellery is adequately insured.
See all contents
* Online discount Ts&Cs.
** Airpoints Ts&Cs.
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