Plus contents insurance

Comprehensive cover for your contents with more benefits and higher limits than our standard cover. Our most popular contents policy.
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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


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.

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 $5,000. 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.

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