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. LEARN MORE 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 MESSAGE US Call 0800 872 226 FIND A BRANCH Tower Insurance Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Insurance 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 Insurance and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Insurance 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.
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. LEARN MORE
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.
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.
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.
Liability protection If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
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 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.
Tower Insurance Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Insurance 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 Insurance and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Insurance 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.
