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Looking for contents insurance?

Be in to win a share of $10,000 when you buy any new contents policy, plus save $50 online. 10 x $1,000 prizes to be won.*

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*Ts&Cs apply

Why choose Tower contents insurance

Whether you're renting or own your own home, our contents insurance covers what matters most to you. If you need some help, check out our contents buyers guide.

Unsure how much your contents are really worth? Try out our contents insurance calculator - you'll be amazed how quickly things add up.

Award winning insurance

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the IBANZ Awards.

Save up to 20% with our multi-policy discount

Save up to 20% with our multi-policy discount

Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.

Tower contents insurance replaces damaged contents with new

Damaged contents replaced with new

If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.

Natural disaster damage for your contents

Natural disaster damage

If your contents are damaged in a natural disaster such as an earthquake, flood or landslide, we'll repair or replace them.

Contents insurance covers leisure equipment like surfboards and e-bikes

Leisure equipment covered

We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters, e-bikes and camping equipment.

Earn Airpoint Dollars™ with Tower

Earn Airpoint Dollars™

You’ll receive 1 Airpoint Dollar™ for every $100 you spend on your premium each year when you purchase or renew your policy. Ts&Cs apply.

Guide to buying contents insurance
Check out our contents calculator

Tower's contents insurance policies include

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Premium

Plus

Standard

Earn Airpoints Dollars 
You’ll receive 1 Airpoint Dollar™ for every $100 you spend on your premium each year when you purchase or renew your policy. Ts&Cs apply.
Earn Airpoints Dollars
Earn Airpoints Dollars
Earn Airpoints Dollars
Accidental loss or damage
Accidental loss or damage
Accidental loss or damage
Accidental loss or damageAt your house
Accidental damage anywhere in NZ 
We'll pay for the loss to your contents anywhere in New Zealand.
Accidental damage anywhere in NZUp to your sum insured
Accidental damage anywhere in NZUp to your sum insured
Accidental damage anywhere in NZUp to $5,000
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.
Natural disaster damage
Natural disaster damage
Natural disaster damage
Lost, damaged, or stolen contents replaced with new 
If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.
Lost, damaged, or stolen contents replaced with new
Lost, damaged, or stolen contents replaced with new
Lost, damaged, or stolen contents replaced with new
Mobile phone 
We’ll cover your mobile phone if it’s damaged, lost or stolen.
Mobile phoneNo limit per phone
Mobile phoneUp to $1,000 per phone
Mobile phoneUp to $500 per phone
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.
Jewellery – per itemUp to $10,000
Jewellery – per itemUp to $2,500
Jewellery – per itemUp 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.
Jewellery – totalUp to $30,000
Jewellery – totalUp to $15,000
Jewellery – totalUp to $5,000
Home office equipment 
If you operate a business from your home, we’ll cover your home office equipment.
Home office equipmentUp to $10,000
Home office equipmentUp to $5,000
Home office equipment
Prescription glasses and contact lenses 
If your prescription glasses or contact lenses are damaged, lost or stolen, we'll repair or replace them. If you are one of our Premium or Plus cover customers, you'll pay a reduced excess of $100.
Prescription glasses and contact lensesUp to $10,000
Prescription glasses and contact lensesUp to $5,000
Prescription glasses and contact lensesUp to $1,000
Recreation and leisure equipment 
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters or e-bikes and camping equipment as part of your policy.
Recreation and leisure equipmentWorth $2,000 or less
Recreation and leisure equipmentWorth $1,500 or less
Recreation and leisure equipmentWorth $500 or less
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.
Keys and locksUp to $2,000
Keys and locksUp to $1,000
Keys and locksUp to $500
Spoiled frozen or refrigerated food 
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Spoiled frozen or refrigerated food
Spoiled frozen or refrigerated food
Spoiled frozen or refrigerated foodUp to $500
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.
Moving house
Moving house
Moving house
Window covering extended replacement 
Where we pay for loss to window coverings in the room wherethe loss occurred, we’ll also pay for the replacement of identical window coverings in other rooms if we’re unable to match them.
Window covering extended replacement
Window covering extended replacement
Window covering extended replacement
Contents in temporary storage
Contents in temporary storageUp to $20,000 max 12 months
Contents in temporary storageUp to $20,000 max 6 months
Contents in temporary storageUp to $20,000 max 6 months
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.
Students contents coverUp to $10,000
Students contents coverUp to $5,000
Students contents coverUp to $5,000
Liability protection 
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
Liability protection
Liability protection
Pay only one excess 
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess
Pay only 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.
No claims bonus
No claims bonus
No claims bonus
Policy wording
Download Policy wording
Download Policy wording
Download Policy wording
Learn more
Learn more
Learn more
Get a quote
Get a quote
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You can update, claim and keep track of your insurance 24/7 through My Tower. Log in or register today.

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Contents insurance FAQs

Expand all 
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 cover applies to any office 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.

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 prescription glasses?

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 you'll pay a reduced excess of $100 for prescription glasses and contact lenses claims.

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.

Is general wear and tear to items covered?

Damage to your contents through daily life, ageing and normal wear and tear is not covered.

Do you cover items that belong to others living with me?

We will cover contents of the named policy holders and their family members who live at the same address as you. If you have flatmates, boarders or guests they will need to have their own contents policy for any items that belong to them.

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** Multi-policy discount Ts&Cs apply.

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