Contents insurance
Protect the things that matter to you
Contents cover for your valuable items if they're lost, damaged, or stolen, anywhere in New Zealand. Arranged in conjunction with one of New Zealand’s leading insurers, Tower.
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100% NZ owned and independent bank
CONTENTS INSURANCE
Why insure your
contents with us?
New for old
We’ll replace or repair your contents,
up to the limits in your policy
including your sum insured.
Multi-policy discount
Save up to 20% when you take out two
or more policies with us.
Ts&Cs apply.
One event, one excess
If one incident means you need to
claim on multiple policies with us,
you’ll only pay one excess. The highest
excess applies.
Key benefits
Keys & locks
You're covered to replace house keys, locks, or a remote door opener if they're lost, stolen or illegally duplicated.
Accidental damage anywhere in New Zealand
Cover for damage to your contents (up to $5,000) that occurs anywhere in New Zealand.
Glasses, lenses, hearing aids & dentures
We'll pay to repair or replace lost or damaged glasses, contact lenses, hearing aids and dentures. If you take out Plus or Premium Cover, you won't pay an excess.
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Jewellery
Your jewellery is covered for repair or replacement.
Please note: This is a summary only and is subject to the policy terms and conditions.
YOUR OPTIONS
Compare contents
insurance
This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings.
Cover benefits compared
| Premium cover | Plus cover | Standard cover | |
|---|---|---|---|
| Accidental loss or damage | At your house | ||
| Basis of settlement | Replacement value | Replacement value | Replacement value |
| Jewellery (including watches) per item | $10,000 | $2,500 | $1,000 |
| Total of all unspecified jewellery (including watches) per item | $30,000 | $15,000 | $5,000 |
| Specified jewellery (including watches) per item | >$10,000 | >$2,500 | >$1,000 |
| Any other single item or set | $10,000 | $5,000 | $1,000 |
| Specified items | >$10,000 | >$5,000 | >$1,000 |
| Collections | $5,000 | $3,000 | $1,500 |
| Specified collections | >$5,000 | >$3,000 | >$1,500 |
| Mobile phone | $1,000 | $500 | |
| Documents | $1,200 | $1,200 | $1,200 |
| Money, gold or silver bards or ingots, precious stones | $1,000 | $500 | $250 |
| Watercraft | >$2,000 | >$1,500 | >$500 |
| Accidental damage anywhere in NZ | $5,000 | ||
| Children's contents left at home | |||
| Contents temporarily relocated | 42 days | 42 days | 42 days |
| Gradual damage to your contents | $3,000 | $2,000 | $1,000 |
| House under minor alteration | |||
| Keys and locks lost or stolen | $2,000 | $1,000 | $500 |
| Liability protection | $20m | $20m | $20m |
| Bodily injury | $100,000 | $100,000 | $100,000 |
| Moving house - cover for your contents in transit | |||
| Natural disaster damage | |||
| No claims bonus | |||
| One event - one excess | |||
| Spoiled frozen or refrigerated food | $500 | ||
| Temporary accommodation | $30,000 | $25,000 | $15,000 |
| Temporary storage after loss | $5,000 | $5,000 | $5,000 |
| University/boarding school cover for your children | $10,000 | $5,000 | $5,000 |
| Spectacles, contact lenses, hearing aids and dentures | No excess | No excess | |
| Contents in temporary storage | $20,000 max 12mths | $20,000 max 6mths | |
| Credit or debit card fraud | $1,000 | $1,000 | |
| Fatal injury to you | $5,000 up to $10,000 | $5,000 | |
| Home office equipment | $10,000 at your house, $1,500 away from your house | $5,000 at your house, $750 away from your house | |
| Stress benefit lump sum payment | $2,000 | $1,000 | |
| Gifts temporarily stored in your house | |||
| Veterinary fees for your domestic pet | $500 | ||
| Visitors personal effects when they are staying with you | $500 | ||
| Window coverings extended replacement |
YOUR CONTENTS
How do I know what
my items are worth?
It can be difficult to know how much any specific item is worth, especially after you've owned it for a few years. As a rule of thumb, consider how much it would cost to replace your contents. Not just your electronics and jewellery, but also things like your clothing and kitchen utensils. To help you estimate this cost, look at prices for similar items. Be aware of sales while you do this. To be safe, always use the standard retail price.
GET A QUOTE
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- Terms and Conditions
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Tower Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Limited. TSB Bank Limited receives a commission from the sale of insurance policies sold on behalf of Tower. TSB Bank Limited does not guarantee these insurance products marketed on behalf of Tower and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Limited or any involved third party.
Full terms, conditions and exclusions are available in the Policy Wording. Tower’s credit rating can be viewed here.
