CANSTAR 2024 2025 insurer of the year home and contents CANSTAR 2023 2025 insurer of the year home and contents

Insurer of the Year - Home & Contents, two years running

And once again, awarded Canstar's Outstanding Value - Home & Contents Insurance, 2023-2025.

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. Unsure how much your contents are really worth? Try out our contents insurance calculator. You'll be amazed how quickly things add up.

  • policy cover standard

    Cover the basics

    Cover for the stuff you love with our more affordable contents insurance. 

  • keys

    Lost or stolen keys?

    Get up to $500 cover for missing keys. Pay no excess if you only claim on keys.

  • whiteware

    Had a power cut?

    If your fridge accidently stops, we'll pay up to $500 to replace spoiled food.

  • mobile phone

    Mobile mishap?

    Get scrolling again, with cover up to $500 if your mobile is lost, stolen or damaged.

Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

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 

At your house

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

Up to $5,000

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 $5,000
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 help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Up to $500
Spoiled frozen or refrigerated food 

Up to $500

We'll pay the reasonable replacement value of 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 the reasonable replacement value of your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment 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 eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
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Contents insurance FAQs

Does contents insurance cover my stuff overseas?

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

Do you cover home office equipment?

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 out our Contents Plus policy and Premium Contents policy, or call us on 0800 379 372.

What if I lose or damage my phone?

Don't worry, all of our Contents policies cover mobile phones starting from $500 cover on our Standard policy, up to $10,000 on our Premium policy.

Want our Standard policy 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.

Can I cover my hearing aids or prescription glasses?

Yes. Our Contents policies cover your prescription glasses and sunglasses, contact lenses, 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 Contents Plus policy or Premium policy, you'll pay a reduced excess of $100 for prescription glasses and contact lenses claims.

How do I know what my items are worth?

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 electronics and jewellery, but your clothing and kitchen utensils too.

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.

Try out our contents insurance calculator - you'll be amazed how quickly things add up.

Is general wear and tear to items covered?

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

Do you cover items that belong to others living with me?

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. 

Are my contents covered while I'm away on holiday?

You don't have to tell us if your home is unoccupied for a short period of time, as your contents left at home will still be covered. 

However, if your house is left unoccupied for more than 90 consecutive days, your cover is limited from day 91 to loss, damage, or liability arising from:

  1. a natural hazard
  2. a fire resulting from a natural hazard
  3. a fire that is not related to or started by a deliberate or intentional act
  4. a storm or flood caused by weather events.

Under the above circumstances, an additional excess of $1,000 will be applied in the event of a claim for loss to your contents left at your unoccupied home.

This does not apply to the contents of your holiday home.

Please call us on 0800 379 372 if you know your house has been, or will be, unoccupied for more than 90 days. 

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