Premium contents insurance

Our highest level of cover including additional benefits. Great for people with lots of valuables to protect.
Earn Airpoints Dollars™ with this policy.
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Save 10% when you buy online*

Key benefits

  • Temporary accommodation

    Up to $30,000 cover for temporary accommodation if your house is damaged and uninhabitable due to that damage.

  • Curtains extended replacement

    If your curtains are damaged and you need new ones, we’ll pay for their replacement. Plus, if you’ve got them matching in every room and we can’t find a suitable match, we’ll replace the lot.

  • Bicycles

    We’ll cover your bicycle, or eBike, for its replacement value up to $10,000.

  • Spectacles, contacts, hearing aids and dentures

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

  • Home office

    Cover for up to $10,000 of your home office equipment is included.

  • Contents in storage

    Your contents in temporary storage are covered for up to $20,000.

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

Download policy (PDF, 1.1MB) 

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 $10,000. 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, NZ government levies and taxes.