Renting or flatting? Contents insurance protects your belongings and covers you if you accidentally damage the place you rent. No house policy needed. Get a quote online in minutes.
4.7 from 2,741 customer reviews
Why Kiwis are choosing Cove for their belongings:
Built on strength
Underwritten by Vero Insurance New Zealand, one of the country’s most established insurers, so your belongings are in safe hands.
🎉 Vero
Underwritten by Vero Insurance New Zealand, one of the country’s most established insurers, so your belongings are in safe hands.
🎉 Vero
Smart and simple
Quote in minutes, buy instantly, and manage your cover online. No phone calls, no paperwork.
🎉 Digital
Quote in minutes, buy instantly, and manage your cover online. No phone calls, no paperwork.
🎉 Digital
Proudly Kiwi
Born in NZ, built for NZ. We make insurance for renters that fits how Kiwis actually live and flat.
🎉 Got your back
Born in NZ, built for NZ. We make insurance for renters that fits how Kiwis actually live and flat.
🎉 Got your back
The fresh Kiwi insurance brand trusted across New Zealand:
Insurance for renters – contents cover for life as a tenant
When you rent, your landlord’s building insurance doesn’t cover your belongings. Contents insurance protects the things you own and includes cover for your liability as a tenant. With Cove, you can take out contents insurance on its own, without a house policy.
What insurance for renters covers
Four things that matter most when you are renting or flatting.
Your belongings
Furniture, whiteware, electronics, clothing and everyday things, protected against fire, theft and accidental damage, at home and often while you are out and about.
Tenant liability
If you accidentally damage the home you rent, or someone else’s property, your cover can pay what you are legally liable for.
Natural disasters
Earthquakes, landslips and tsunami. Since the government scheme no longer covers contents, this is the only cover for your belongings.
Away from home and moving
Your things are often covered when you take them out of the house, and in transit when you move to a new flat.
Insurance for renters is purchased as our contents insurance policy, so you get the same protection homeowners get for their belongings. See everything contents insurance includes for the full list, limits and conditions.
Experience Cove’s award-winning service
We’ve got a track record of delivering award-winning customer service.
Rated excellent by our customers
Customer Reviews
4.7/5
Over 2,741Customer Reviews
What you cover vs what your landlord covers
Your landlord’s insurance stops at the building. Everything that is actually yours is up to you.
Cover for your stuff, without the house policy
You do not own the building, so you do not insure it. With Cove you take out contents insurance on its own, choose a sum insured that reflects what it would cost to replace your belongings, and you are covered. It is quick to set up and easy to manage online in My Cove, whether you are in a flat, an apartment or a rental house.
Insure your belongings
Add up what it would cost to replace your things new, then insure them for that amount. Most items are replaced new-for-old if the worst happens.
Covered as a tenant
Your cover includes liability if you accidentally damage the place you rent or someone else’s property, which is one of the biggest risks of renting.
Backed by experience. Built for today.
Cove is the new way to do insurance – simple, digital, and refreshingly easy to deal with.
But behind the scenes, your insurance policy is underwritten by Vero Insurance New Zealand Limited, one of the country’s most established insurers. You get the ease of Cove with the strength of Vero.
Get covered in minutes. Love it for years.
Renter? It takes just a few minutes to get an insurance quote.
Amazing Cover
Designed by local experts
Pay Monthly
No long term commitments
Fast & Flexible
Manage your insurance online