Contents Insurance

With a wide range of contents insurance options, you can have comfort in knowing your possessions are covered for the unexpected, whether at home or anywhere in New Zealand.

Our Policies

NZI Distinction Contents

With generous sums insured to protect the things you treasure, Distinction Contents insurance provides premium cover with enhanced benefits that match your lifestyle.

Automatic benefits include:

  • New-for-old replacement cover for most of your belongings, with high automatic limits and broad coverage.

  • Generous cover for valuables, including up to $100,000 per item for art and $25,000 per item for jewellery.

  • Complimentary PhotoSecure access to provide a curated record of your precious art and jewellery should the unexpected happen.

  • Worldwide cover for your personal effects while travelling for up to 90 days.

  • Up to $1,000 towards a celebration if you achieve a hole-in-one in tournament or club play.

Discover Distinction Contents

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.

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NZI Select Contents

Quality cover with additional benefits that go the extra mile to protect the things and people you love.

Automatic benefits include:

  • New-for-old replacement cover for most of your belongings, with high automatic limits

  • Generous cover for valuables, including up to $100,000 per item for art and up to $5,000 per item for jewellery.

  • Protection for your belongings while in storage, moving house or in transit.

  • Up to $7,500 cover for hidden gradual damage to your belongings.

  • Extended contents cover for your household including students studying away from home and family who normally live with you staying at a rest home or care facility.

Download policy wording

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.

NZI Echelon Contents

Practical cover you can count on for the things you love most, when it matters most.

Automatic benefits include:

  • New-for-old replacement cover for most of your belongings.

  • Automatic cover for jewellery and watches with up to $3,000 per item and $15,000 in total.

  • Coverage for your belongings while in storage, moving house, or in transit.

  • Up to $2,000 cover for hidden gradual damage to your belongings.

This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.

Download policy wording

Guaranteed repairs

We’ve got a nationwide network of highly skilled, approved suppliers who are committed to getting you back up and running. Find one in your area with our supplier search tool. 

Find a local supplier

Cover for compulsory evacuation

Being required to evacuate your home by an authority in an emergency is stressful, and alternative accommodation during this time can be costly. So, we help cover the cost of alternative accommodation while it is unsafe for you and your family to be in your home, up to the limits outlined in your policy:

  • if you’re required to evacuate your principal residence by a local authority or government agency (like a council, Civil Defence, NZ Police or Fire and Emergency NZ)
  • because your property is at risk of damage, from an event that would be covered under your policy, and
  • where you have an Alternative Accommodation benefit.

Find out more about cover for alternative accommodation costs.

Contents sum insured

When you have contents insurance, choosing the right level of cover is really important, but it can be tricky to get it right. We’re here to help you understand how to calculate your sum insured to reduce the risk of you being underinsured. 

Use our Contents Sum Insured Calculator