Contents Insurance for Everything You Own

What’s covered at a glance

A high-level summary of what your contents insurance policy includes. Select “Learn more” on any item to see the limits and conditions that apply.

What your contents insurance policy covers in detail

Limits, excesses, and conditions apply. For the full details, read the policy wording. Your policy includes…

Accidental loss & damage

We cover sudden, unforeseen physical loss or damage to your contents – at home, and while you’ve got them with you anywhere in New Zealand.

Contents in transit

When you move house, we cover your contents in transit against fire, theft from a locked vehicle, and damage if the vehicle overturns or has a collision – up to $10,000 per event. We also cover your contents at both your old and new address for up to 30 days.

Jewellery and watches

Unspecified jewellery and watches are covered up to $3,000 per item, pair or set, and up to $10,000 in total per event (or 10% of your sum insured, whichever is higher). Want more cover for a particular piece? Just specify it on your schedule.

Storage of contents – we’ll cover some contents in short-term storage

If you store your contents at another location, we’ll cover them for up to 90 days. We’ll pay indemnity value up to $20,000 within the 90 day period. If your contents are stored somewhere other than a commercial storage facility, we won’t cover water damage, unexplained losses, or theft unless there are signs of a forced break-in.

Home office equipment

Working from home? We cover your home office and equipment – furniture, computers, peripherals, stationery and more – up to $15,000.

Credit and debit cards – we’ll reimburse unauthorised use

If someone uses your lost or stolen credit or debit card without permission, we’ll reimburse what you can’t recover elsewhere – up to $1,000 per event. Tell the police and your card issuer within 24 hours of spotting the loss.

Loss or damage from natural hazards

We cover your contents for damage caused by natural hazards such as earthquake, natural landslide, volcanic activity, hydrothermal activity, tsunami, and any fire resulting from these.

Lost, damaged, or stolen contents (replaced with new)

For most of your contents we pay replacement value – so you can replace what’s lost or damaged beyond repair with new. A few categories settle at indemnity value instead (like clothing and footwear, books, and older sports gear, bikes and electronics). See the wording for the full list.

Alternative Accommodation

If the home you live in is uninhabitable due to loss or damage that’s covered by the policy, or if you have been prevented from accessing the home by government or local authorities, we’ll pay reasonable additional costs for temporary accommodation (including for your pets) – up to $20,000 per event if you own your home, or up to 1 month’s accommodation or $5,000 (whichever is less) if you rent.

Liability cover

If you accidentally damage someone else’s property or cause accidental bodily injury, we cover the damages or reparation you’re legally liable to pay – up to $2,000,000 for property damage and up to $1,000,000 for bodily injury.’
The most we’ll pay for all legal liabilities for damages and reparation is a combined total of $2,000,000 during any period of insurance.

Fatal injury

If you die from injuries caused by a fire or burglary at your home (within three months of the event), we’ll pay $10,000 to your estate.

Gifts

We’ll cover gifts for weddings, Christmas, and other special occasions that belong to someone other than you, while they are temporarily in your home.

Removal of debris

When damaged contents need to be cleared from your home after a claim we cover, we pay the reasonable cost to remove the debris – paid in addition to your sum insured.

Boarding school

If your children are temporarily living away at boarding school, their contents are still covered. Standard item limits apply.

Tertiary accommodation

Got a child living in halls or other tertiary provided student accommodation? Their contents are covered there – up to $5,000 per child. Some conditions apply for theft.

Gradual damage

Some damage creeps up on you. We’ll cover gradual damage to your contents up to $2,000, if caused by a leak or overflow from an internal water pipe, waste disposal pipe or water storage tank which is hidden from view.

Fusion of electric motors

We’ll pay to replace electric motors if they burn out or fuse.
We’ll also pay for an exchange sealed compressor for motors in a sealed refrigeration or air-conditioning compression unit and for re-gassing the unit.

Authorities damage

If government or local authorities physically damage your contents to prevent a loss we would otherwise cover, we’ll cover the damage they cause.

Stolen keys

Stolen key? lost key you suspect was copied? Keypad code shared without your say-so? We cover the replacement of your keys and locks if the keys are stolen, or illegally duplicated up to $2,000 per event.

Misuse of mobile/smartphones

If your phone is lost or stolen and someone runs up charges on it before you can block it, we cover the first 24 hours of unauthorised use your provider bills you for. We’ll cover up to $500 provided you have told your network service provider as soon as you discover the loss or theft of your phone.

Overseas travel (Australia & Pacific Islands)

Heading to Australia or the Pacific Islands for up to 30 days? We cover your clothing, personal effects, suitcases, jewellery, watches and cameras – up to $5,000 per policy year – as long as you don’t have travel insurance covering those items.

Property used for trade, professional, or business use

Tools and other items you use for work are covered – up to $2,000 per event. (Stock, raw materials and finished products aren’t included.)

Tenant’s improvements

Renting? We cover improvements you own that are permanently installed at the home you rent – up to $5,000 per event.

Vehicle accessories in your employer’s vehicle

If portable entertainment or navigation accessories you own are stolen from your employer’s vehicle, we cover them at indemnity value – up to $1,500 per event – when there’s no cover under your employer’s motor policy.

Specified items

Got something worth more than the standard item limits – a special piece of jewellery, a high-end bike, a camera kit? Specify it on your schedule and we’ll cover it for the nominated amount.

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Frequently asked contents insurance questions

Can’t find what you’re looking for? We have plenty more FAQs here.