How Kiwi Insure Contents Insurance works

Contents insurance helps protect your everyday household belongings and your valuables if they're lost, stolen or damaged. You'll be covered at home or even when you're temporarily away from your home. Family members who live with you permanently can also be covered under this policy.

Use our contents calculator to find out how much cover you may need.

You'll get up to 10% package discount off house, contents and car insurance when you take out two or more Kiwi Insure policies.

Kiwi Insure contents insurance is provided by The Hollard Insurance Company Pty Ltd. Administration of Kiwi Insure contents insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.


New for old

We pay the replacement or repair costs for most things including your furniture, furnishings and home appliances regardless of age.

Key and locks

Up to $1,000 cover if your house keys or remote door opener(s) are stolen, illegally copied or the combination number of an electronic keypad for external doors becomes known to someone else without your permission.


This covers the repair or replacement up to $3,000 per item; or $15,000 for all unspecified jewellery (including watches) in total.

If you have specific items which are greater in value, you'll need to let us know so we can add these to your policy.

University and boarding school extension

Up to $5,000 cover for your children’s contents while they’re attending university or boarding school and staying in university halls of residence or a boarding school hostel.

Overseas travel

Up to $5,000 cover for loss to clothing, jewellery, cameras and personal effects if travelling within Australia or the Pacific Islands for less than 30 days in total.

Legal liability

$2 million cover for damage to other people’s property or $1 million bodily injury. This also includes court ordered reparation.

Optional benefit - spectacles or contact lenses

No excess is charged when you claim for loss to your spectacles, prescription sunglasses or contact lenses (but not disposable contact lenses) when they’re either lost or damaged.

Built-in special benefits

Business tools

Cover up to $1,000 for property from which you get a financial return, whether for profit or not.

Children’s contents

Cover for your children’s things left at your house while they’re overseas, up to the insured amount.

Contents in storage

$50,000 cover for your belongings while they’re in a commercial storage facility, up to six months

Home office

Up to $15,000 for loss of your home office furniture or equipment you normally use in the home to earn an income.

Contents in transit

$50,000 for your contents while they’re on the move from one permanent address to another. This option covers loss or damage up to $50,000 – caused by the transporting vehicle having a fire, colliding, overturning or being broken into.

Alternative accommodation

Our standard cover of up to $25,000 if your house suffers loss or damage to the extent that you can’t live in it (and we’ve accepted your claim). You can increase this to up to $50,000.

This covers the cost of temporary accommodation for you, your family who live with you, and your pets.

Full policy details

Choose what works for you


The excess is the amount that you pay for each claim. The standard excess for contents insurance is $250, but you can select a higher option and this will lower your premiums. You'll need to make sure you select an excess that's affordable if you need to make a claim.

Payment options

You can choose the payment option that suits your needs – direct debit or credit card. And you can pay your premiums fortnightly, monthly or yearly.

Start the application process

Make a claim

To make a claim, call us on 0800 222 491. If it’s an emergency, we’re available 24 hours a day, seven days a week.

Contents insurance is provided by The Hollard Insurance Company Pty Ltd. The Hollard Insurance Company Pty Ltd is the only organisation responsible for claims under this cover. Administration of contents insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.

Kiwi Insure® is a brand of Kiwibank. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by The Hollard Insurance Company Pty Ltd. Kiwibank Limited may receive a commission on any insurance it arranges.

Important terms, conditions and exclusions are set out in the Kiwi Insure Contents Insurance policy (PDF 1.1 MB) effective from 5 April 2018. If your policy was issued before this date, your policy will have been provided by Tower Insurance Limited and you will need to refer to Tower House Contents and Vehicle Insurance Policy (PDF 653.5 KB).

“We”, “us”, or “our” means The Hollard Insurance Company Pty Ltd.

The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M. Best Company.

Rating Scale

A++, A+ Superior

A, A- Excellent

B++, B+ Good

B, B- Fair

C++, C+ Marginal

C, C- Weak

D Poor

E Under Supervision

F In Liquidation

S Suspended

Further information on these ratings is available at

An overseas policyholder preference applies. Under Australian law, if Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Hollard Insurance Company Pty Ltd.'s Australian assets to satisfy New Zealand liabilities.