State’s been insuring Kiwis for over 100 years. We’ve been recognised as one of New Zealand’s most trusted insurers for 10 years in a row and awarded for providing quality service to our customers.
Benefits at a glance
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If your rental home is destroyed by a fire:
If your rental home qualifies for ‘Replacement’ cover, we’ll pay the cost to repair or rebuild it - even if it costs more than your home sum insured.* -
If your rental home becomes unliveable due to something we cover:
We’ll pay up to $30,000 of lost rent. For example, if a government or local authority has ordered an evacuation because it’s unsafe. -
If you’re legally liable as the property owner for injury or damage:
We’ll cover the costs you legally have to pay, up to $5 million. For instance, a deck collapses and someone gets hurt.
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If your rental home is damaged by hidden leaks:
We’ll cover up to $3,000 a year for hidden gradual damage caused by water leaking from an internal tank or internal plumbing. -
If your tenant moves out with rent owing:
Add the ‘Rent default’ optional benefit to either your Landlord’s Home or Landlord’s Contents policy, and we’ll cover up to 15 weeks of lost rent if your tenant moves out without notice or is evicted due to unpaid rent. -
If your tenant leaves their things behind:
We’ll pay up to $10,000 to remove their abandoned items so you can rent your property out again.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
* To qualify, you'll need to choose a sum insured that is equal to or greater than the estimate provided by the Cordell calculator.
Which Landlord’s Insurance is right for you?
Landlord’s Home and Contents Insurance
Cover for your partially or fully furnished rental home, the garage and shed on your rental property, as well as landlord’s chattels and key furnishings that your tenants use. Plus, support for landlords during tricky times, like protection against lost rent in certain situations and removal costs for abandoned items.
Landlord’s Home Insurance
Cover for your unfurnished rental home, the garage, shed and other structures on your rental property. Plus, support for landlords during tricky times, like protection against lost rent in certain situations and removal costs for abandoned items.
Landlord’s Contents Insurance
For when your rental home is insured by someone else, like through a body corporate, but you need additional cover for the chattels and household goods your tenants use. Get cover for things like furniture, furnishings and electrical appliances. Plus, support for landlords during tricky times, like protection against lost rent in certain situations and removal costs for abandoned items.
Landlord’s Home Insurance key features
Select cover option
What's included
What's included
Up to $3,000
Up to $30,000
Up to $10,000
Up to $50,000
(higher limit available)
Up to $15,000
Up to $5,000,000
Optional benefits
Optional benefits
Optional extra
Optional extra
Optional extra
Optional extra
What's included
What's included
Up to $3,000
Up to $30,000
Up to $10,000
Up to $50,000
(higher limit available)
Up to $15,000
Up to $5,000,000
Optional benefits
Optional benefits
Optional extra
Optional extra
Optional extra
Optional extra
* To qualify, you'll need to choose a sum insured that is equal to or greater than the estimate provided by the Cordell calculator.
This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording.
Some of our policy wordings are now in plain language, making them easier for you to read, understand, and act on.
Why choose State?
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