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

Distinction Contents

With generous sums insured, a wealth of enhanced policy features, and added benefits, Distinction Contents insurance is designed for those seeking high-value cover.

Automatic benefits include:

  • New for old replacement on most items

  • Generous art and jewellery cover

  • Worldwide cover for your personal effects for travel up to 90 days

  • PhotoSecure service

  • Hole-in-one benefit

Discover Distinction Contents

Echelon Contents

You're covered for accidental loss or damage, including repairs or replacement cover for most items. 

Automatic benefits include:

  • Alternative Accommodation

  • Contents in storage

  • Contents in Transit

  • Home Office coverage

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