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 contents plus insurance

Our contents plus insurance is comprehensive cover for your contents with more benefits and higher limits than our standard cover. 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 plus

    Need a little extra?

    Get more benefits and higher limits with contents plus, our mid-level cover. 

  • keys

    Lost or stolen keys?

    Get up to $1,000 cover for missing keys. Pay no excess if you only claim on keys. 

  • home office

    Home office cover

    We'll cover your home office equipment up to $5,000. So you can focus on business.

  • mobile phone

    Mobile mishap?

    Get scrolling again, with cover up to $1k if your mobile is lost, stolen or damaged.

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

Our contents plus 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.

Plus

Accidental loss or damage 
Accidental loss or damage
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 $1,000 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 $1,000 per phone
Jewellery – per item 

Up to $2,500

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 $2,500
Jewellery – total 

Up to $15,000

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 $15,000
Home office equipment 

Up to $5,000

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

Up to $5,000

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 $5,000
Recreation and leisure equipment 

Up to $5,000

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 $5,000
Keys and locks 

Up to $1,000

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 $1,000
Spoiled frozen or refrigerated food 

Up to $1,000

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 $1,000
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 

Up to $20,000 max 6 months

Contents in temporary storage
Up to $20,000 max 6 months
University and boarding school cover for your children 

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.
University and boarding school cover for your children
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.
Get a quote

Manage your insurance with My Tower

You can update, claim and keep track of your insurance 24/7 through My Tower. Log in or register today. 

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Tower Translates

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.

Check out our translations

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Contents insurance FAQs

Does contents insurance cover my stuff overseas?

No. Contents insurance only covers your things 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?

Yes, but it depends on the level of cover you choose. 

Plus covers home office equipment up to $5,000 at your house.

Premium covers home office equipment up to $10,000 at your house. 

This includes office furniture, hardware and purchased software you mainly use at home to earn income. 

For more details, take a look at our Contents Plus and Premium Contents policy documents, or call us on 0800 379 372 and we'll help you out. 

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.

If you want more cover on our Standard policy or Plus policy, just let us know and we'll increase the limit for your phone. 

If it needs repairing, we have a network of skilled technicians to take care of it.

Can I cover my hearing aids or prescription glasses?

Yes. Your prescription glasses, sunglasses, contact lenses, hearing aids, and removable dentures are all covered. If they're lost, stolen or damaged, we'll repair or replace them.

We know how important these items are for your day-to-day life, so we work to get them sorted quickly. 

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. If you have a Standard policy, you'll pay your full excess for each claim.

How do I know what my items are worth?

It can be tricky to know the value of something you've owned for a while. As a guide, think about what it would cost to replace your things today. Not just electronics and jewellery, but clothing, bedding, furniture and kitchenware too.

To estimate the cost, look up similar items at their usual full price. Avoid using sale prices.

Our contents calculator is a great way to get a future-ready total - you'll be surprised how quickly things add up.

Is general wear and tear covered?

No. Damage from daily use, ageing or normal wear and tear isn't covered.

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

We cover contents that belong to you and your family members who live with you at the same address. Flatmates, boarders or guests will need their own contents policy for their belongings. 

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

Yes. If you're away for a short time, your contents are still covered at home and you don't need to tell us. 

If your home is unoccupied for more than 90 consecutive days, your cover is limited from day 91 to loss, damage, or liability caused by:

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

An extra $1,000 excess applies for claims during this time.

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

Is damage caused by pets covered?

We know pets are part of the family, and sometimes that means chewed cushions or scratched furniture. As much as we love them, our contents insurance doesn't cover any damage caused by pets.

Here's the good news, we do cover dogs and cats for injury and illness and more. Ts&Cs apply. Find out more about our pet insurance and get a quote online.

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