Contents insurance

The things in your home help make it yours. Contents insurance through Tower can help repair or replace your belongings if they're stolen, lost or accidentally damaged.
Family and gudgets
We partner with Tower, our trusted provider of House, Contents, Car and specialist insurance options.

Tower logo

Keep your favourite things covered

  • Cover household items and personal belongings with a policy that suits you.

  • Add cover for specialised items like your leisure and recreational equipment.

  • Conveniently manage both contents and house insurance in the My Tower portal.

How it works

  • Understand what contents insurance covers

    Contents insurance covers household items such as furniture, rugs and appliances, and personal belongings such as electronics, jewellery, bikes and sports gear. You can add specific items if you've got something to cover that doesn't fall under the standard limits.

    No matter how old your things are, most items will be repaired or replaced with new equivalent ones up to the limits in your policy.

  • Stay covered on the move & between homes

    With Tower, your contents are covered both at home and when you take your belongings with you around Aotearoa. Cover away from home is included up to your policy limits, with Standard policies covering up to $5,000.

    If you're moving house, your belongings are covered at both addresses for 14 days from the day you start your move.

  • Work out your sum insured

    The sum insured is the estimated cost to buy brand-new equivalents for everything inside your home. This is the maximum dollar amount an insurance company will pay to replace or repair your things.

    You'll need to work out how much cover you need for your contents, including big ticket items such as jewellery and artwork.

  • Choose your level of cover

    You can typically match your level of cover to what you have in your home to insure. You might need more or less cover, depending on the items you have.

    Choose from one of Tower's contents insurance policies: Premium cover, Plus cover, or Standard cover. Tower's online quote tool can help you select which one suits you best.

  • Manage & claim

    Once you're set up as a customer, create an account for the My Tower online portal. Here, you can manage your insurance, download your policy wording and more.

    You can make a claim if your belongings are stolen, lost or damaged by a sudden and accidental event. When this happens, it's best to make a claim straight away through the portal.

Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.

Apply for contents insurance

Quote & buy online

If you’re applying for House, Contents, Car, Landlord or Boat Insurance you can get a quote and buy online.

Learn more at tower.co.nz

Talk to a Tower insurance specialist

If you’d like to talk to someone about getting Motorbike, Motorhome, Caravan or Trailer, Lifestyle Block, Contract Works - Renovation Cover Insurance.

Call Tower on 0800 222 491 Call Tower 0800 222 491

You may also be interested in

Important information

This page provides general information and isn't intended as regulated financial advice. To review your specific situation and financial requirements please talk to your Financial Adviser.

Tower’s Quote to Buy tool has been developed and is operated by Tower Limited. Once you enter the Tower Quote to Buy tool, you will be a Tower Limited customer for the purposes of General Insurance. By using this Tower tool, you agree to the Tower Limited Terms and Conditions.

Tower Limited (also known as ‘Tower’) underwrites all contracts of House, Contents, Landlord, Car, Boat, Travel and Pet Insurance cover. Tower’s Travel and Pet Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners. The contracts of insurance are between you and Tower Limited. Kiwibank Limited (Kiwibank) receives a commission from the sale of insurance policies sold by Tower when referred by Kiwibank. Kiwibank, or any member of the Kiwi Group Capital Limited (including Kiwibank) group of companies, does not guarantee the obligations of, or any products issued by, Tower Limited and is not liable if Tower (or other insurer of the policy) 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 applicable policy wording. View Tower’s financial strength rating and solvency margin on their website at tower.co.nz.

Kiwibank doesn't provide financial advice for insurance and is not engaged by Tower Limited to provide any financial advice in respect of its insurance products. Terms and conditions, exclusions, limits and sub limits apply. Insurance cover is subject to Tower’s current acceptance underwriting criteria.

Kiwibank Limited holds no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.

Previous insurance policies administered by Ando and Tower

If you're an existing policy holder you can find the relevant information about these policies on our products no longer offered page or our legal documents archive page.