What do we offer?

Should something unexpected like burglary or flooding strike your special possessions, we can help you.


NZI contents insurance offers a range of options and you can choose where you are covered, whether just at home or anywhere in New Zealand.


Do you know what your contents are worth? Use our easy contents calculator to help ensure you have enough cover to replace what’s in your home.


Interested in ‘green’ incentives? If you make a claim for whiteware and the item needs to be replaced, it can be replaced with an energy-efficient equivalent appliance.


Check out the policy snapshots below. To find out more, or to request a contents insurance quote, please talk to your broker or use our online tool to help find one. 



Distinction Contents

Distinction Contents Insurance gives you the peace of mind that your lifestyle is protected in the event of loss, damage or theft, including cover for your and your family’s personal effects while travelling abroad. You’ll receive generous limits, a wealth of benefits and value-added services, including Photosecure, which provides a photographic and video record of your valuable contents.


Distinction offers our highest level of automatic cover for your valuables, including jewellery, art, and collectables, plus for many items you have the option to purchase extra cover if needed.


Echelon Contents 

Great practical cover for possessions accidentally lost or damaged. As well as repair or replacement cover for most contents, you’ll get automatic additional benefits such as cover for alternative accommodation and some items while travelling to Australia or the Pacific Islands.



Essence Contents

Good value, our most affordable contents insurance. Most possessions less than
10 years old are covered for replacement. Automatic additional benefits include
cover for alternative accommodation, keys and locks, and your legal liability for
property damage. 


Householders Contents  

Basic insurance that provides cover for certain specified events.


How to get NZI insurance?

For full details of our contents insurance, please contact your broker. If you don’t already have one, we can help find a broker.


Policy disclaimer

The documents available on this website represent our standard policy wordings. These standard wordings may be varied when they are issued. Any variance will be unique for each customer, based on their individual circumstances. The wordings on this site can be withdrawn, substituted or varied at any time without prior notice.