Standard contents insurance
Buy a new contents policy by 17 Feb and be in to win 1 of 10 prizes of a year's premium up to $2,500.* Prize drawn 25 March.
Compare our standard contents insurance
Tower's standard contents insurance policy is our most budget friendly option that still gives you replacement cover on all your contents. If you need some help, 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.
Save up to 20% with our multi-policy discount
Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.
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.
Natural disaster damage
If your contents are damaged in a natural disaster such as an earthquake, flood or landslide, we'll repair or replace them.
Leisure equipment covered
We'll cover your leisure and recreational equipment like surfboards, kayaks, e-scooters, e-bikes and camping equipment.
Our contents standard insurance policy includes
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Standard
Up to your sum insured
Up to $500 per phone
Up to $1,000
Up to $5,000
Up to $1,000
Up to $1,000
Up to $500
Up to $500
Up to $5,000
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
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
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.
If you have either the Plus or Premium contents policy you'll pay a reduced excess of $100 for prescription glasses and contact lenses claims.
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.
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