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Insure your contents with promo code 1MONTH.
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Damaged contents
replaced with new
Accidental damage
anywhere in NZ
Leisure and recreational
equipment
For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Compare contents insurance
This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.
This policy meets the WriteMark Plain Language Standard, which means our policy wording is easier to read and understand.
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.
Up to your sum insured
Up to your sum insured
Up to $5,000
We’ll cover your mobile phone if it’s damaged, lost or stolen.
No limit
Up to $1,000
Up to $500
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.
Up to $10,000
Up to $2,500
Up to $1,000
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $30,000
Up to $15,000
Up to $5,000
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.
Up to $2,000
Up to $1,000
Up to $500
If your spectacles (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.
No excess
No excess
We’ll cover any mechanically or sail propelled watercraft.
Worth $2,000 or less
Worth $1,500 or less
Worth $500 or less
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.
Up to $10,000
Up to $5,000
Up to $5,000
If you operate a business from your home, we’ll cover your home office equipment.
Up to $10,000
Up to $5,000
Tower Limited is a member of the Insurance Council of New Zealand (ICNZ) and we abide by the ICNZ 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
+ get a bonus entry to the competition
With our multi-policy discount, you can enjoy up to 10% off when you buy house and contents insurance together. Get up to 20% when you add a third policy!**
Plus, as well as saving up to 10% on both premiums, you’ll also get two chances to win a $1,000 Mitre 10 voucher.#
House insurance with Tower
With our house insurance policy, if your home is destroyed, we'll rebuild it up to the sum insured, and extend your sum insured by 20% if it's been destroyed by fire. We'll also provide:
- up to $15,000 to add or upgrade to sustainable products when rebuilding your home after your house has been destroyed
- $30,000 for temporary accommodation if your home can't be lived in
- full carpet replacement throughout your home if some of it is damaged and we can't find a suitable match
- up to $2,000 cover, excess free, to replace keys, remote door openers and locks if yours are stolen, lost or illegally copied.
^The above policy benefits are a summary and only apply to our Premium policy. Find out more about our house policies here.
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 for Premium policies, $5,000 for Plus policies and $1,000 for Standard policies, you will need to insure these 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.
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.
Contents insurance FAQs
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.
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.
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