Top policy perks for renters.
If your belongings are accidentally damaged in a mishap or get lost, we’ll replace most items.
Your phone drops in the toilet. Oops.
If your belongings are accidentally damaged in a mishap or get lost, we’ll replace most items.
You’re moving house and have stuff at both places.
We’ll cover your belongings at two addresses for two weeks if you move to a new home in NZ.
You crash your bike into a Tesla.
You get up to $2 million liability cover for if you accidentally damage someone else’s property and legally have to pay for it.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
What's covered? Get the deets.
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 insurance-cake.
Simple, upfront prices.
We don’t hide behind discounts and equations. We give you a great price upfront. Simple is best.
No small talk. Just quick claims.
Make car and contents claims online. We even auto-approve them sometimes. Zippy.
Do it online. Make it sn-appy.
Download the State app or My State, your online account, to get insurance-y stuff done. Anytime. Anywhere. Great for night owls.
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 accurate estimate of what your stuff is worth. Include everything you own so you have enough cover should the worst happen. Remember, getting the cheapest contents insurance may not give you the cover you need in the event of a total loss.
Buying the cheapest contents insurance can be tempting, but there are a couple of watchouts to be aware of. To compare quotes side by side, take note of:
- the policy cover and limits – some insurance policies have limits on certain cover benefits, so it’s important to compare these and choose the cover that is best for you.
- the financial strength rating of the insurer – this informs you of if the insurance company will be able to pay-out on claims. In NZ, the financial strength rating is really important because we can experience widespread damage in areas due to natural disasters.
- Accidental loss: Unexpected and unintended damage.
- Claim: A request 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.
- Exclusions: Scenarios and items the insurance policy does not cover.
- Premium: The amount you pay for the protection your insurance policy provides.
- Sum Insured: The most your insurer will pay for a covered loss if you were to lose everything.
Cover under one roof.
Simple as.
Home Insurance
