Everything you'd take with you if you moved
Contents Insurance in New Zealand
Contents cover replaces furniture, appliances, clothing and tech after fire, burglary or accidental damage — for homeowners, flatmates and renters alike.
New for old replacement
Most items are replaced with the modern equivalent rather than depreciated.
Cover away from home
Specified portable items like laptops, cameras, bikes and jewellery stay covered anywhere in New Zealand.
Tenant liability
Renters get protection for accidental damage to the landlord's property.
The detail
What contents insurance covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Burglary and theft
- Fire, smoke and storm damage
- Accidental damage in the home
- Food spoilage after a power failure
- Contents in transit when you move house
Worth adding
- Specified valuables above the single-item limit
- Worldwide portable item cover
- Excess-free glass
- Home business equipment
Commonly excluded
- Items left in an unlocked home or vehicle
- Business stock unless declared
- Wear, tear and gradual deterioration
- Cash above the policy sub-limit
Questions
Contents Insurance FAQs
Ready for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.