Save up to 10% with house and contents insurance*
We'll take up to 10% off your combined premium when you buy house and contents policies together as a bundle.
Why choose Tower house and contents insurance
Life moves fast, one day you're a minimalist, the next a maximalist with a house full of contents. Tower's house and contents insurance policies have you covered with all the benefits you'd expect and more. If you’re unsure of what the best house or contents insurance is for you, check out our insurance buyers guides.
Save up to 20% with our multi-policy discount
Buy house and contents policies online with us today and save up to 10%. Add a third eligible policy and save up to 20%. Ts&Cs apply.
More than one thing damaged at once?
If an incident means you need to claim on multiple Tower house, contents, car and boat policies, you’ll only pay one excess. The highest excess applies.
Lost or stolen keys? Excess free replacement
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.
Replacement up to your sum insured
If your home and contents are destroyed, we’ll pay up to the sum insured amounts to rebuild your home and replace your damaged contents with new.
For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Extra ways we reward you
Earn Airpoints Dollars™ every year
You’ll receive 1 Airpoints Dollar™ for every $100 you spend on your premium each year when you purchase or renew your policy.
Ts&Cs apply.
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Save up to 20% with our multi-policy discount
You can save up to 20% when you buy multiple car, house, contents, landlord or boat policies.
Ts&Cs apply.
Find out more
Save on your excess with GoCarma
Save up to $300 on your car insurance excess with GoCarma. The safer you drive the more you can save. Download the app today.
Ts&Cs apply.
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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
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 the Plus and Premium contents policies or call us on 0800 379 372.
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 claims for these items will be excess free.
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.