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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.

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*Ts&Cs and eligibility criteria apply.

Cover you can trust

Enjoy award-winning home and contents insurance with a forward thinking insurer.

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

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.

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.

Natural disaster damage for your contents

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.

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.

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

Accidental loss or damage 
Accidental loss or damage
At your house
Accidental damage anywhere in NZ 

Up to your sum insured
We'll pay for loss to your contents anywhere in New Zealand.
Accidental damage anywhere in NZ
We'll pay for loss to your contents anywhere in New Zealand.
Up to your sum insured
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.
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.
Mobile phone 

Up to $500 per 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.
Up to $500 per phone
Jewellery – per item 

Up to $1,000
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 $1,000
Jewellery – total 

Up to $5,000
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 $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.
Prescription glasses and contact lenses 

Up to $1,000
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 $1,000
Recreation and leisure equipment 

Up to $1,000
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 $1,000
Keys and locks 

Up to $500
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 $500
Spoiled frozen or refrigerated food 

Up to $500
We’ll pay to replace your frozen or refrigerated food if it isspoiled and unsafe to eat because your refrigeration or freezerequipment accidentally stops.
Spoiled frozen or refrigerated food
We’ll pay to replace your frozen or refrigerated food if it isspoiled and unsafe to eat because your refrigeration or freezerequipment accidentally stops.
Up to $500
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 identicalwindow 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 identicalwindow coverings in other rooms if we’re unable to match them.
Contents in temporary storage 
Contents in temporary storage
Students contents cover 

Up to $5,000
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 $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.
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.
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More products from us

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

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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.

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 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.

** Multi-policy discount Ts&Cs apply.

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