Compare our top three policy perks.
Your stuff gets damaged in a mishap.
We’ll repair or replace most items if they get accidentally damaged or lost in a mishap or misfortune.
Your baggage gets away on you.
The stuff you pack is covered up to $5,000 if it’s lost or damaged while on a short trip to Aus or the Islands*.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
* A trip to Australia or the South Pacific Islands that’s a maximum of three weeks long.
What's covered? Get the scoop.
Select cover option
What's included
What's included
Up to $5,000 per trip (max 3 weeks)
Up to $3,000 per year
Up to $3,000 per item
(higher limit available)
(limits apply)
Up to $30,000
Up to $1,000
Up to $2,000,000
Optional benefits
Optional benefits
Optional extra
Optional extra
What's included
What's included
Up to $5,000 per trip (max 3 weeks)
Up to $3,000 per year
Up to $3,000 per item
(higher limit available)
(limits apply)
Up to $30,000
Up to $1,000
Up to $2,000,000
Optional benefits
Optional benefits
Optional extra
Optional extra
This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording.
Our NZ Contents insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
Icing on the contents insurance-cake.
Plain language policies.
Our Contents policies are written in plain language. WriteMark accredited. Not such a chore to read.
Enjoy a cover combo.
Save time and hassle by getting home and contents cover in one policy. Less admin. More life.
Make it ‘appen. Job done.
No need for opening hours. Download the State app or log in to My State, your online account, to get insurance-y stuff done.
Backed-up by the goods.
Highly commended in the New Zealand, General Insurer category for 10 years in a row.
Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.
Our AA Financial strength rating means we have a very strong claims-paying ability.
Questions? We got you.
Use a contents insurance calculator for a more comprehensive estimate of the total value of your belongings. To make sure to include everything you own so you aren’t caught short if you were to lose everything. Remember, getting the cheapest contents insurance may not give you the best cover in a total loss event like a flood or earthquake.
Although going for the cheapest contents insurance may be appealing, it's important to weigh up several factors before making a decision. To effectively compare different policies, consider the following points:
- Policy cover and limits: Insurance policies can vary in what they cover and the level of protection they offer. It’s important to compare limits to ensure you choose the best option for your specific needs.
- Insurer's Financial Strength: This rating reflects how capable the insurer is of paying out claims. Particularly in regions like New Zealand, where natural disasters can cause significant losses, ensuring your insurer is financially secure is crucial.
- Accidental loss: Unexpected and unintended damage.
- Claim: A request made to your insurance company to compensate you financially for something covered by your policy.
- Cover: The protection provided by an insurance policy.
- Excess: The amount you contribute towards a claim before your insurer pays the rest of your entitlement.
- Exclusion: Specific conditions or circumstances the policy does not cover.
- Premium: The amount you pay for the financial protection your insurance policy provides.
- Sum Insured: The maximum amount your insurer will pay for a covered loss.
Cover under one roof.
Simple as.
Home Insurance
