The 'Average' column is a typical inventory for an average three bedroom New Zealand home – which is $84,355 in total. And don’t forget to add any extra household items we haven't mentioned, such as expensive ornaments, paintings and jewellery, in the fields marked 'other'.

Only enter in 'Your value' if your items are higher or lower value than the average value listed and it will automatically recalculate the total.

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EQCover on contents is set at $23,000 (including GST). If the value of the contents you're insuring is less than $23,000, then they'll pay out on this lower amount.

NOTE: This is a guide only and not an indication of claim payments.