Plus contents insurance

Comprehensive cover for your contents with more benefits and higher limits than our standard cover. Our most popular contents policy.
Earn Airpoints Dollars™ with this policy**
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Save 20% when you buy online*

Key benefits

  • Replacement value for contents

    We'll pay the replacement or repair costs of all your contents, no matter how old they are.

  • Spectacles, contacts, hearing aids and dentures

    Cover for those important little things in your life, with no excess to pay.

  • Jewellery cover

    Up to $2,500 cover per item or set for the replacement or repair of your jewellery (including watches) up to a maximum of $15,000 in total from any one loss.

  • One event, one excess

    One event means if you need to claim on multiple Tower car, home and contents policies, you’ll only need to pay one excess. It’s the highest excess that will apply.

  • Temporary accommodation

    Up to $25,000 cover for temporary accommodation if your house is damaged and is uninhabitable due to that damage.

  • Keys and locks cover

    Up to $1,000 cover, free of any excess, to replace keys, remote door openers and locks if yours are stolen, lost or illegally copied.

This is a summary only. See the policy for the full list of benefits, terms and conditions.

Download policy (PDF, 1MB)

Other contents policies


If you took out contents cover before July 2018 a different policy wording will apply. Get a copy of your policy wording.

* Ts&Cs apply. Discount excludes RoadWise, NZ government levies and taxes.
** Airpoints Ts&Cs