Distinction Home and Contents

Life’s good. Let’s keep it that way.

Hard work and smart decisions have deservedly positioned you with a lifestyle you love - a beautiful home, significant assets you treasure and a standard of living that is a reflection of your success. 

It makes sense that you want to protect this wealth and preserve your most valued possessions. With generous sums insured, a wealth of policy features and exclusive added benefits, Distinction is designed for those who are seeking high-value cover for their home and valuables. Importantly, it brings with it the confidence that you’ll be able to continue to make the most of a lifestyle you and your family enjoy.

Download the brochure here



Gain peace of mind and protect the place you and your family call home with a premier level of cover that goes beyond what standard policies have to offer, including:

Complete home replacement 

If your home is damaged in a covered event (provided the loss is not caused by natural disaster), we'll cover the reasonable cost to have it repaired or rebuilt to the same floor area - even if that is more than the sum insured. That's provided that your sum insured is equal or greater than a recent registered valuer's or registered quantity surveyor's estimated cost to rebuild the home approved by us. 

Zero excess breakage extension

Accidents happen. Which is why our breakage extension means that you won’t have to pay an excess if your claim is only for glass breakage in any window, door or screen.

Lifestyle block fencing 

We know that your lifestyle property may come with the privacy and protection of necessary fencing. We extend cover of sudden and accidental loss to lifestyle block fencing up to $10,000 if it’s damaged in the same event as your home.

Alternative accommodation

If your home becomes uninhabitable due to an insured event, we’ll cover the reasonable cost of alternative accommodation to a similar standard of living as your home for up to 12 months, with no dollar limit. 

A perfect match or we’ll replace 

If we agree to replace your damaged bathroom suite item, kitchen suite item or carpet, we’ll also pay the reasonable extra cost to replace undamaged parts of that suite or carpet if a matching replacement can’t be found. 

Sustainability upgrade 

If your home is destroyed and  you choose to rebuild it, we’ll help you go for a greener choice by paying up to $25,000 to upgrade the home with sustainable products.



Treasured collections or precious pieces. Whatever it is that lights you up, a lifestyle that you enjoy comes with significant assets that need a specialised level of protection. This might include:

$1 million sum insured

Surrounding yourself with the things you love brings a sense of joy, so protect what matters most to you and your family. We’ll automatically give you $1 million in contents cover, and if you need more, we can easily lift the sum insured to meet your needs.

Extensive jewellery cover

Jewellery often represents so much more than just its financial value, which is why protecting treasured pieces is so important, and why we’ll pay for multiple items of unspecified jewellery and watches up to $100,000. You don’t need to tell us about an individual piece of jewellery or a watch less than $25,000, but if you need more unspecified item cover, or you have something that’ll cost more than $25,000 to replace, then let us know. 

Overseas travel cover for personal effects

Dream destinations await - but it’s easier to relax overseas when you know that you won’t be caught short. Travel with confidence with the knowledge that your personal effects are covered while you and your family are abroad.

Identity theft

Financial crime is becoming  increasingly complex. If your identity has been stolen and used without your consent for financial gain, we will pay up to $5,000 for legal costs and fees charged by government authorities to replace your documents. 

Cover for art

Every collection is unique, we’ll cover your precious works of art at both your home and your workplace, and anywhere in between.

Contents in storage

You might need some extra space, be on the move, renovating or travelling offshore. Whatever your reason for placing valuables in a safe deposit box at a bank or commercial vault, you can do so confidently with the knowledge that they're covered with the same level of protection as if they were in your home. Plus, if you need to store items in a building away from the home for up to 12 months, they'll be covered for specific events too.

Contents in transit

On the move? If you're shifting house within NZ, your contents are automatically covered while in transit to your new home. They're automatically covered at the other end as well, as long as you tell us your new address before the period of cover ends.

Lifestyle block contents and professional tools

We keep your equipment covered so you can keep your lifestyle block running. This includes cover for your tools of trade while they are at your home, and fixed lifestyle block equipment, plant and machinery, plus seed, grain and baled hay at your lifestyle block, up to $10,000.

Pairs and Sets

Everything is better in pairs right? So when you lose or damage part of your set and we agree to replace it, then we’ll pay to ensure they stay the same together. Whether you’ve lost an earring, damaged a chair, or need to replace your curtains, we’ll replace the undamaged matching items too.



Additional services, added value

The definition of Distinction is excellence that sets one apart from others, which is why this policy is also designed with the addition of unique extra benefits for you, including:

Insuring unique or high-calibre property for the right amount isn’t always straightforward. That’s why we offer our customers a complimentary home rebuild valuation service by a registered quantity surveyor to determine the rebuild costs. Although it’s optional, it’s a good way to be confident your property has the correct amount of cover. Our Home Replacement Benefit does depend on the sum insured being set in line with a rebuild cost estimate, which must be prepared by a registered quantity surveyor or registered valuer.

Skillful strike… or stroke of luck? Either way, a hole-in-one is an achievement worth celebrating! We will pay up to $1,000 towards any celebration costs if, during the period of cover, you or a member of your family achieves a ‘hole-in-one’ at a golf tournament or club day. To tee things up, you’ll need to you supply us with the scorecard and an acknowledgement from the club or match secretary. 

Add an extra element of protection for your possessions with Photosecure – a deluxe photography and video  scan service. 

Photosecure keeps a permanent photographic record of your most valuable possessions, which may assist you in providing evidence of ownership and value in the event of a claim. Because you are a Distinction client, your photos and video evidence are stored at no extra cost to you. 


Superior protection for the lifestyle you love

Our high-value home insurance specialists are available to provide support in insuring your high-value items of significance, such as jewellery, art and collectables with extra protection. With Distinction, you also have access to automatic additional benefits, outlined in your policy, that go further to protect what matters most to you. 

Through our broker partners, our focus is on providing both personal and business customers with tailored knowledge, advice and support. We’ve been helping Kiwis protect their home, contents and lifestyle for 160 years. With heritage like that, you can trust we will be here for you - now and into the future. 

Your lifestyle is unique, so we have high-value homes claims specialists that are experts in providing a solution driven service, providing you with practical support during a stressful time.

We have highly skilled account managers to find insurance solutions for all of your unique needs.

Policy Wording

Download the Distinction Home policy wording here

Download the Distinction Contents policy wording here