Contents Insurance

With a wide range of contents insurance options, you can have comfort in knowing your possessions are covered for the unexpected, whether at home or anywhere in New Zealand.

Our Policies

Distinction Contents

Our Premium Contents Insurance product, this policy wording offers high levels of cover for your valuables like jewellery, art, and collectibles. Automatic benefits include Children living away from home cover, Contents in storage, Contents in Transit, and cover for personal items while you and your family are travelling overseas anywhere in the world.

As part of our NZI Distinction Contents Policy, we also offer the Photosecure service, a photographic and video record of your valuables. 

Find out more about Distinction.

Echelon Contents

You're covered for accidental loss or damage, including repairs or replacement cover for most items. Automatic benefits include, Alternative Accommodation, Contents in storage, Contents in Transit and Home Office coverage. 

Essence Contents

An affordable cover that includes Alternative Accommodation, Keys and Locks, and your legal liability for property damage.

Householders Contents

Basic insurance that provides cover for certain specified events. Ideal for where only limited coverage is required. 

Guaranteed repairs

We’ve got a nationwide network of highly skilled, approved suppliers who are committed to getting you back up and running- find one in your area with our supplier search tool. 

Contents sum insured

When you have contents insurance, choosing the right level of cover is really important, but it can be tricky to get it right. We’re here to help you understand how to calculate your sum insured to reduce the risk of you being underinsured. 

Use our Contents Sum Insured Calculator to make sure you've got the right amount of cover.

Cover for compulsory evacuation

Being required to evacuate your home by an authority in an emergency is stressful, and alternative accommodation during this time can be costly. So, from 1 October 2021, we’re helping cover the cost of alternative accommodation while it is unsafe for you and your family to be in your home, up to the limits outlined in your policy:

  • if you’re required to evacuate your principal residence by a local authority or government agency (like a council, Civil Defence, NZ Police or Fire and Emergency NZ)
  • because your property is at risk of damage, from an event that would be covered under your policy, and
  • where you have an Alternative Accommodation benefit.

Find out more about cover for alternative accommodation costs.