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CANSTAR 2024 2025 insurer of the year home and contents CANSTAR 2023 2025 insurer of the year home and contents

Insurer of the Year - Home & Contents, two years running

And once again, awarded Canstar's Outstanding Value - Home & Contents Insurance, 2023-2025.

Compare our contents insurance

Whether you're renting or own your own home, our contents insurance covers what matters most to you. Unsure how much your contents are really worth? Try out our contents insurance calculator. You'll be amazed how quickly things add up.

  • cover level

    Your cover, your way

    Choose from three levels of cover to suit your needs and budget.

  • moving

    Moving covered

    Your stuff's covered for 14 days at both houses, from the day you start your move.

  • leisure

    The fun stuff

    Love the big outdoors? Surfboards, kayaks and e-bikes are covered with us.

  • burglar

    Sticky finger cover

    If you're burgled, we'll help replace the stuff you love, so it feels like home again.

Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

Our contents insurance policies

Choose from one of our policies:

Premium cover: Our highest level of cover. If your things are lost, damaged or stolen, we'll replace them with items of equivalent value. You're also covered for up to $10,000 for mobile phones and up to $10,000 for prescription glasses and contact lenses.

Plus cover: More benefits and higher limits than our Standard cover, including up to $5,000 for home office equipment and up to $5,000 for prescription glasses and contact lenses.

Standard cover: Simple, affordable cover for life's essentials. You'll get up to $1,000 for prescription glasses and contact lenses, and $500 to replace a mobile phone.

This is a summary only. For all of these benefits, please read the policy wording and cover documents to understand the terms, conditions, excesses, limits and exclusions that may apply. Cover is subject to underwriting criteria.

Premium

Plus

Standard

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Accidental loss or damage anywhere in New Zealand 
We'll cover accidental loss or damage to your contents anywhere in New Zealand, including at home.
Accidental loss or damage anywhere in New Zealand
We'll cover accidental loss or damage to your contents anywhere in New Zealand, including at home.
Up to your sum insured
Accidental loss or damage anywhere in New Zealand
We'll cover accidental loss or damage to your contents anywhere in New Zealand, including at home.
Up to your sum insured
Accidental loss or damage anywhere in New Zealand
We'll cover accidental loss or damage to your contents anywhere in New Zealand, including at home.
Up to $5,000 away from your house
Lost, damaged, or stolen contents replaced with new 
We'll repair or replace your contents if they're lost, stolen or damaged, up to your policy limits. If we can't find an exact match, we'll replace it with something similar.
Lost, damaged, or stolen contents replaced with new
We'll repair or replace your contents if they're lost, stolen or damaged, up to your policy limits. If we can't find an exact match, we'll replace it with something similar.
Lost, damaged, or stolen contents replaced with new
We'll repair or replace your contents if they're lost, stolen or damaged, up to your policy limits. If we can't find an exact match, we'll replace it with something similar.
Lost, damaged, or stolen contents replaced with new
We'll repair or replace your contents if they're lost, stolen or damaged, up to your policy limits. If we can't find an exact match, we'll replace it with something similar.
Single item limit, unless detailed below 
Each policy has a maximum amount we'll pay for any individual item. Some of these limits are summarised here. They are the most we'll pay for any item you claim for unless you've specified it and it's listed on your certificate of insurance.
Single item limit, unless detailed below
Each policy has a maximum amount we'll pay for any individual item. Some of these limits are summarised here. They are the most we'll pay for any item you claim for unless you've specified it and it's listed on your certificate of insurance.
Up to $10,000
Single item limit, unless detailed below
Each policy has a maximum amount we'll pay for any individual item. Some of these limits are summarised here. They are the most we'll pay for any item you claim for unless you've specified it and it's listed on your certificate of insurance.
Up to $5,000
Single item limit, unless detailed below
Each policy has a maximum amount we'll pay for any individual item. Some of these limits are summarised here. They are the most we'll pay for any item you claim for unless you've specified it and it's listed on your certificate of insurance.
Up to $1,000
Mobile phone 
Your mobile phone is covered if it's lost, stolen or damaged, up to your policy limit.
Mobile phone
Your mobile phone is covered if it's lost, stolen or damaged, up to your policy limit.
Up to $10,000 per phone
Mobile phone
Your mobile phone is covered if it's lost, stolen or damaged, up to your policy limit.
Up to $1,000 per phone
Mobile phone
Your mobile phone is covered if it's lost, stolen or damaged, up to your policy limit.
Up to $500 per phone
Jewellery – per item 
Each item of jewellery or sets (for example earrings) is covered up to the limit in your policy. If you have items worth more than this, you'll need to tell us so we can fully cover them. We'll adjust your premium to cover this extra risk.
Jewellery – per item
Each item of jewellery or sets (for example earrings) is covered up to the limit in your policy. If you have items worth more than this, you'll need to tell us so we can fully cover them. We'll adjust your premium to cover this extra risk.
Up to $10,000
Jewellery – per item
Each item of jewellery or sets (for example earrings) is covered up to the limit in your policy. If you have items worth more than this, you'll need to tell us so we can fully cover them. We'll adjust your premium to cover this extra risk.
Up to $2,500
Jewellery – per item
Each item of jewellery or sets (for example earrings) is covered up to the limit in your policy. If you have items worth more than this, you'll need to tell us so we can fully cover them. We'll adjust your premium to cover this extra risk.
Up to $1,000
Jewellery – total 
This is the most we'll pay out for all your unspecified jewellery in any one claim.
Jewellery – total
This is the most we'll pay out for all your unspecified jewellery in any one claim.
Up to $30,000
Jewellery – total
This is the most we'll pay out for all your unspecified jewellery in any one claim.
Up to $15,000
Jewellery – total
This is the most we'll pay out for all your unspecified jewellery in any one claim.
Up to $5,000
Keys and locks 
If your keys are stolen, lost or illegally copied, we'll help replace your keys and locks or change your key code. And there's no excess when you're only claiming under this benefit. 
Keys and locks
If your keys are stolen, lost or illegally copied, we'll help replace your keys and locks or change your key code. And there's no excess when you're only claiming under this benefit. 
Up to $2,000
Keys and locks
If your keys are stolen, lost or illegally copied, we'll help replace your keys and locks or change your key code. And there's no excess when you're only claiming under this benefit. 
Up to $1,000
Keys and locks
If your keys are stolen, lost or illegally copied, we'll help replace your keys and locks or change your key code. And there's no excess when you're only claiming under this benefit. 
Up to $500
Prescription glasses and contact lenses 
If your prescription glasses or contact lenses are lost, stolen or damaged, we'll repair or replace them. Premium and Plus customers pay a reduced excess of $100, and Standard customers pay their policy excess.
Prescription glasses and contact lenses
If your prescription glasses or contact lenses are lost, stolen or damaged, we'll repair or replace them. Premium and Plus customers pay a reduced excess of $100, and Standard customers pay their policy excess.
Up to $10,000
Prescription glasses and contact lenses
If your prescription glasses or contact lenses are lost, stolen or damaged, we'll repair or replace them. Premium and Plus customers pay a reduced excess of $100, and Standard customers pay their policy excess.
Up to $5,000
Prescription glasses and contact lenses
If your prescription glasses or contact lenses are lost, stolen or damaged, we'll repair or replace them. Premium and Plus customers pay a reduced excess of $100, and Standard customers pay their policy excess.
Up to $1,000
Spoiled frozen or refrigerated food 
If your fridge or freezer accidently stops working, we'll cover the reasonable cost to replace spoiled, unsafe to eat food.
Spoiled frozen or refrigerated food
If your fridge or freezer accidently stops working, we'll cover the reasonable cost to replace spoiled, unsafe to eat food.
Spoiled frozen or refrigerated food
If your fridge or freezer accidently stops working, we'll cover the reasonable cost to replace spoiled, unsafe to eat food.
Up to $1,000
Spoiled frozen or refrigerated food
If your fridge or freezer accidently stops working, we'll cover the reasonable cost to replace spoiled, unsafe to eat food.
Up to $500
Natural disaster damage 
If your contents are damaged in a natural disaster, we'll cover the loss up to your sum insured, minus any applicable excesses.
Natural disaster damage
If your contents are damaged in a natural disaster, we'll cover the loss up to your sum insured, minus any applicable excesses.
Natural disaster damage
If your contents are damaged in a natural disaster, we'll cover the loss up to your sum insured, minus any applicable excesses.
Natural disaster damage
If your contents are damaged in a natural disaster, we'll cover the loss up to your sum insured, minus any applicable excesses.
Moving house 
We'll cover your contents for up to 14 days at both your old home and new home while you're moving.
Moving house
We'll cover your contents for up to 14 days at both your old home and new home while you're moving.
Moving house
We'll cover your contents for up to 14 days at both your old home and new home while you're moving.
Moving house
We'll cover your contents for up to 14 days at both your old home and new home while you're moving.
Liability protection 
We'll cover you if you cause damage to someone else's property, and you're legally liable to pay for it.
Liability protection
We'll cover you if you cause damage to someone else's property, and you're legally liable to pay for it.
Liability protection
We'll cover you if you cause damage to someone else's property, and you're legally liable to pay for it.
Liability protection
We'll cover you if you cause damage to someone else's property, and you're legally liable to pay for it.
One event, one excess 
Pay only the highest excess if one event means claims on multiple eligible policies.
One event, one excess
Pay only the highest excess if one event means claims on multiple eligible policies.
One event, one excess
Pay only the highest excess if one event means claims on multiple eligible policies.
One event, one excess
Pay only the highest excess if one event means claims on multiple eligible policies.
University and boarding school cover for your children 
If your child lives in a hall of residence, school hostel or boards in a private home, their contents are covered too.
University and boarding school cover for your children
If your child lives in a hall of residence, school hostel or boards in a private home, their contents are covered too.
Up to $10,000
University and boarding school cover for your children
If your child lives in a hall of residence, school hostel or boards in a private home, their contents are covered too.
Up to $5,000
University and boarding school cover for your children
If your child lives in a hall of residence, school hostel or boards in a private home, their contents are covered too.
Up to $5,000
Home office equipment 
Get cover for your home office furniture and home office equipment used for work. You're covered up to the limit in your policy when the loss happens at your house, and a lower limit applies when your items are temporarily away from home.
Home office equipment
Get cover for your home office furniture and home office equipment used for work. You're covered up to the limit in your policy when the loss happens at your house, and a lower limit applies when your items are temporarily away from home.
Up to $10,000
Home office equipment
Get cover for your home office furniture and home office equipment used for work. You're covered up to the limit in your policy when the loss happens at your house, and a lower limit applies when your items are temporarily away from home.
Up to $5,000
Home office equipment
Get cover for your home office furniture and home office equipment used for work. You're covered up to the limit in your policy when the loss happens at your house, and a lower limit applies when your items are temporarily away from home.
Contents in temporary storage 
Your contents are covered in commercial storage, up to the limits in your policy.
Contents in temporary storage
Your contents are covered in commercial storage, up to the limits in your policy.
Up to $20,000 max 12 months
Contents in temporary storage
Your contents are covered in commercial storage, up to the limits in your policy.
Up to $20,000 max 6 months
Contents in temporary storage
Your contents are covered in commercial storage, up to the limits in your policy.
Window covering extended replacement 
If your curtains or blinds are damaged beyond repair, we'll help find a match. If we can't, we'll replace all the identical curtains or blinds in your home.
Window covering extended replacement
If your curtains or blinds are damaged beyond repair, we'll help find a match. If we can't, we'll replace all the identical curtains or blinds in your home.
Window covering extended replacement
If your curtains or blinds are damaged beyond repair, we'll help find a match. If we can't, we'll replace all the identical curtains or blinds in your home.
Window covering extended replacement
If your curtains or blinds are damaged beyond repair, we'll help find a match. If we can't, we'll replace all the identical curtains or blinds in your home.
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What our customers say

Check out some of our four and five-star verified customer reviews from Trustpilot.

Calculate your contents

Not sure how much your belongings are worth? Our calculator helps you work out the cost of what you own so you can choose the cover that fits.

Contents calculator

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Tower Translates

We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.

Check out our translations

Contents insurance FAQs

Does contents insurance cover my stuff overseas?

No. Contents insurance only covers your things 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?

Yes, but it depends on the level of cover you choose. 

Plus covers home office equipment up to $5,000 at your house.

Premium covers home office equipment up to $10,000 at your house. 

This includes office furniture, hardware and purchased software you mainly use at home to earn income. 

For more details, take a look at our Contents Plus and Premium Contents policy documents, or call us on 0800 379 372 and we'll help you out. 

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 $10,000 on our Premium policy.

If you want more cover on our Standard policy or Plus policy, just let us know and we'll increase the limit for your phone. 

If it needs repairing, we have a network of skilled technicians to take care of it.

Can I cover my hearing aids or prescription glasses?

Yes. Your prescription glasses, sunglasses, contact lenses, hearing aids, and removable dentures are all covered. If they're lost, stolen or damaged, we'll repair or replace them.

We know how important these items are for your day-to-day life, so we work to get them sorted quickly. 

If you have either the Contents Plus policy or Premium policy, you'll pay a reduced excess of $100 for prescription glasses and contact lenses claims. If you have a Standard policy, you'll pay your full excess for each claim.

How do I know what my items are worth?

It can be tricky to know the value of something you've owned for a while. As a guide, think about what it would cost to replace your things today. Not just electronics and jewellery, but clothing, bedding, furniture and kitchenware too.

To estimate the cost, look up similar items at their usual full price. Avoid using sale prices.

Our contents calculator is a great way to get a future-ready total - you'll be surprised how quickly things add up.

Is general wear and tear covered?

No. Damage from daily use, ageing or normal wear and tear isn't covered.

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

We cover contents that belong to you and your family members who live with you at the same address. Flatmates, boarders or guests will need their own contents policy for their belongings. 

Are my contents covered at home while I'm away on holiday?

Yes. If you're away for a short time, your contents are still covered at home and you don't need to tell us. 

If your home is unoccupied for more than 90 consecutive days, your cover is limited from day 91 to loss, damage, or liability caused by:

  1. a natural hazard
  2. a fire resulting from a natural hazard
  3. a fire not caused by a deliberate or intentional act
  4. a storm or flood caused by weather events.

An extra $1,000 excess applies for claims during this time.

Please call us on 0800 379 372 if your house has been, or will be, unoccupied for more than 90 days. 

Is damage caused by pets covered?

We know pets are part of the family, and sometimes that means chewed cushions or scratched furniture. As much as we love them, our contents insurance doesn't cover any damage caused by pets.

Here's the good news, we do cover dogs and cats for injury and illness and more. Ts&Cs apply. Find out more about our pet insurance and get a quote online.

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