Looking for renters' insurance?
Get covered with Tower, awarded Canstar's Outstanding Value - Home & Contents Insurance 2023.
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.
Add car insurance and save
Get car and contents insurance together and save up to 10% with our multi-policy discount** Get a quote today.
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.
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.
Leisure equipment covered
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters, e-bikes and camping equipment.
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.
Contents insurance FAQs
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.
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.
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.
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.
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.