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Looking for renters' insurance?

Get covered with Tower, awarded Canstar's Outstanding Value - Home & Contents Insurance 2023.

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Award-winning insurance

We're over the moon to have won Canstar's 2023 Outstanding Value Home & Contents Insurance Award.

Compare our renters' contents insurance

Whether you're flatting with friends or renting your own place, our contents cover protects the things that matter to you. 

If you need help choosing the best contents insurance for you, check out our contents buyers guide. Unsure how much your contents are really worth? Try out our contents insurance calculator - you'll be amazed how quickly things add up.

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Get car and contents insurance together and save up to 10% with our multi-policy discount** Get a quote today.

Tower contents insurance replaces damaged contents with new

Damaged contents replaced with new

If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.

contents insurance anywhere in New Zealand

Accidental damage anywhere in NZ

Exploring New Zealand with the things you love? We'll pay for loss to your contents anywhere in New Zealand up to your sum insured.

Contents insurance covers leisure equipment like surfboards and e-bikes

Leisure equipment covered

We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters, e-bikes and camping equipment.

Guide to buying contents insurance
Check out our contents calculator

Our contents insurance policies

Choose from one of our policies:

Premium cover: Replace lost, damaged or stolen goods with equivalent value items - including unlimited cover for mobile phones, and prescription glasses and contact lenses up to $10,000.

Plus cover: Cover for prized possessions with 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: This budget-friendly insurance provides some key essentials, including up to $1,000 for prescription glasses and contact lenses, and $500 for replacement mobile phones.

This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.

Premium

Plus

Standard

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Most popular

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Most popular

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Most popular

Accidental loss or damage 
Accidental loss or damage
Accidental loss or damage
Accidental loss or damage
At your house
Accidental damage anywhere in NZ 
We'll pay for the loss to your contents anywhere in New Zealand.
Accidental damage anywhere in NZ
We'll pay for the loss to your contents anywhere in New Zealand.
Up to your sum insured
Accidental damage anywhere in NZ
We'll pay for the loss to your contents anywhere in New Zealand.
Up to your sum insured
Accidental damage anywhere in NZ
We'll pay for the loss to your contents anywhere in New Zealand.
Up to $5,000
Lost, damaged, or stolen contents replaced with new 
If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.
Lost, damaged, or stolen contents replaced with new
If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.
Lost, damaged, or stolen contents replaced with new
If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.
Lost, damaged, or stolen contents replaced with new
If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.
Recreation and leisure equipment 
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters or e-bikes and camping equipment as part of your policy.
Recreation and leisure equipment
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters or e-bikes and camping equipment as part of your policy.
Up to $10,000
Recreation and leisure equipment
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters or e-bikes and camping equipment as part of your policy.
Up to $5,000
Recreation and leisure equipment
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters or e-bikes and camping equipment as part of your policy.
Up to $1,000
Mobile phone 
We’ll cover your mobile phone if it’s damaged, lost or stolen.
Mobile phone
We’ll cover your mobile phone if it’s damaged, lost or stolen.
No limit per phone
Mobile phone
We’ll cover your mobile phone if it’s damaged, lost or stolen.
Up to $1,000 per phone
Mobile phone
We’ll cover your mobile phone if it’s damaged, lost or stolen.
Up to $500 per phone
Jewellery – per item 
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.
Jewellery – per item
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
Jewellery – per item
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 $2,500
Jewellery – per item
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 $1,000
Jewellery – total 
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Jewellery – total
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
Jewellery – total
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $15,000
Jewellery – total
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $5,000
Home office equipment 
If you operate a business from your home, we’ll cover your home office equipment.
Home office equipment
If you operate a business from your home, we’ll cover your home office equipment.
Up to $10,000
Home office equipment
If you operate a business from your home, we’ll cover your home office equipment.
Up to $5,000
Home office equipment
If you operate a business from your home, we’ll cover your home office equipment.
Keys and locks 
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.
Keys and locks
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
Keys and locks
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 $1,000
Keys and locks
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 $500
Prescription glasses and contact lenses 
If your prescription glasses or contact lenses are damaged, lost or stolen, we'll repair or replace them. If you are one of our Premium or Plus cover customers, you'll pay a reduced excess of $100.
Prescription glasses and contact lenses
If your prescription glasses or contact lenses are damaged, lost or stolen, we'll repair or replace them. If you are one of our Premium or Plus cover customers, you'll pay a reduced excess of $100.
Up to $10,000
Prescription glasses and contact lenses
If your prescription glasses or contact lenses are damaged, lost or stolen, we'll repair or replace them. If you are one of our Premium or Plus cover customers, you'll pay a reduced excess of $100.
Up to $5,000
Prescription glasses and contact lenses
If your prescription glasses or contact lenses are damaged, lost or stolen, we'll repair or replace them. If you are one of our Premium or Plus cover customers, you'll pay a reduced excess of $100.
Up to $1,000
Spoiled frozen or refrigerated food 
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Spoiled frozen or refrigerated food
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Spoiled frozen or refrigerated food
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Spoiled frozen or refrigerated food
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Up to $500
Natural disaster damage 
If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.
Natural disaster damage
If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.
Natural disaster damage
If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.
Natural disaster damage
If your contents suffer from natural disaster damage we’ll cover the loss up to your sum insured, minus any applicable excesses.
Moving house 
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.
Moving house
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.
Moving house
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.
Moving house
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.
Window covering extended replacement 
Where we pay for loss to window coverings in the room wherethe loss occurred, we’ll also pay for the replacement of identical window coverings in other rooms if we’re unable to match them.
Window covering extended replacement
Where we pay for loss to window coverings in the room wherethe loss occurred, we’ll also pay for the replacement of identical window coverings in other rooms if we’re unable to match them.
Window covering extended replacement
Where we pay for loss to window coverings in the room wherethe loss occurred, we’ll also pay for the replacement of identical window coverings in other rooms if we’re unable to match them.
Window covering extended replacement
Where we pay for loss to window coverings in the room wherethe loss occurred, we’ll also pay for the replacement of identical window coverings in other rooms if we’re unable to match them.
Contents in temporary storage 
Contents in temporary storage
Up to $20,000 max 12 months
Contents in temporary storage
Up to $20,000 max 6 months
Contents in temporary storage
Students contents cover 
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.
Students contents cover
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
Students contents cover
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 $5,000
Students contents cover
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 $5,000
Liability protection 
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Pay only one excess 
Pay only one excess when claiming on multiple policies for a single incident at the same address. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple policies for a single incident at the same address. The highest excess applies.
No claims bonus 
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.
No claims bonus
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.
No claims bonus
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.
No claims bonus
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.
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More products from us

Save up to 20% with our multi-policy discount.*

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.

If you're wondering what all that insurance lingo is all about, let’s unpack it.

Check out our translations
Car insurance translated

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 cover applies to any office 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.

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.

Learn more about our smartphone and computer repair service

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.

Damage to your contents through daily life, ageing and normal wear and tear is not covered.

We will cover contents of the named policy holders and their family members who live at the same address as you. If you have flatmates, boarders or guests they will need to have their own contents policy for any items that belong to them.

* Multi-policy discount Ts&Cs apply.

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