Standard contents insurance

Our most budget friendly option that still gives you replacement cover on all your contents.
Earn Airpoints Dollars™ with this policy.
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Key benefits

  • 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.

  • No-claims bonus

    If you haven’t made any claims with your previous insurer or with us for the last year, you’ll receive a no-claims bonus.

  • Temporary accommodation

    If your contents suffer loss or damage which is covered by EQCover or this policy and your home is uninhabitable due to the loss, we'll pay up to $15,000 for temporary accommodation.

  • Tenant's liability cover

    Cover for loss or damage you cause by fire, explosion, or water damage to the property that you rent.

  • Keys and locks cover

    Up to $500 cover, free of any excess, to replace keys, remote door openers and locks if yours are stolen, lost or illegally copied.

  • Frozen food cover

    Up to $500 for frozen food that has gone off and is unsafe to eat if your refrigerator accidentally stops working. We’ll also pay the repair cost for any loss or damage caused by the spoiled food.

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 $1,000. 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.