Benefits
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New for old
The replacement or repair costs are paid for most things including your furniture, furnishings and home appliances regardless of age. Some items, like clothing, computers over five years old, and camping equipment, are covered for present day value. For more details on replacement value, see full policy details (PDF 885.9 KB).
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University and boarding school extension
Your children's contents are covered while they're attending boarding school. Tertiary students living away from home are covered up to $5,000.
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Optional benefit - spectacles or contact lenses
You won't be asked to pay any excess when you claim solely for loss to your spectacles, prescription sunglasses or contact lenses (but not disposable contact lenses) when they’re either lost or damaged.
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Jewellery
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 items which are valued above this, you'll need to specify these so they can be added to your policy.
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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.
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Keys and locks
If your keys are lost, stolen or believed to have been duplicated, the cost of replacing the keys and locks up to $1,000 will be covered. You won't need to pay any excess.
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Legal liability
Legal liability cover of up to $2 million if you accidentally damage someone else’s property, or up to $1 million if you cause bodily injury. This also includes court ordered reparation.
Built-in special benefits
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Business tools
Cover up to $1,000 for business tools which aren't covered by another insurance policy.
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Alternative accommodation
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 your claim has been accepted). 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.
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Children’s contents
Cover for your children’s things left at your house while they’re overseas. These items are included in the sum insured you select.
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Contents in transit
Limited cover, up to $50,000 for your contents while they’re on the move from one permanent address to another. This covers loss or damage caused by the transporting vehicle having a fire, colliding, overturning or being broken into.
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Contents in storage
Limited cover, up to $50,000 cover for your belongings while they’re in a commercial storage facility, up to six months.
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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.
What's your excess?
The excess is the amount that you pay for each claim. The standard excess for contents in an owner occupied house is $250, but you can select a higher excess and in return you’ll pay lower 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. There's no extra cost if you select to pay monthly or fortnightly.
Apply for Contents Insurance
Get an online quote and sign up in just three minutes. If you're not quite sure what you need, or you'd like to discuss your options, get in touch with an insurance specialist.
Quote & purchase online
If you’re applying for house, contents or car insurance you can get a quote and purchase online.
Get a quote and buy onlineHouse, contents or car insurance
If you’d like to talk to someone about insuring your house, contents or car, or want to apply over the phone, get in touch with an insurance specialist.
Talk to a specialistImportant information
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. If you arrange your insurance through Kiwibank, you need to know that no member of the Kiwi Group Capital Limited group guarantees 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 Contents Insurance policy (PDF 885.9 KB).
View Hollard's financial strength rating, solvency margin and overseas policyholder preference on their website at hollard.com.au. For information about Ando Insurance Group Limited's privacy policy, visit ando.co.nz.
Contents Insurance before 5 April 2018
If you already have Contents Insurance and your policy was issued before 5 April 2018, your policy will have been provided by Tower Insurance Limited. You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.
Tower Insurance Limited is the only organisation responsible for claims under this policy. If you arranged your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by, Tower Insurance Limited.
View Tower's financial strength rating and solvency margin on their website at tower.co.nz.
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.