State Insurance

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It’s quick and easy to get a quote and buy online.
You can save time and money by combining your home and contents policies.

Tell us more about yourself Your contents insurance summary

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Your home

Owners and occupants

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Multi-policy discount

If you have other insurance policies with us, you might be entitled to a discount. Please select the policies you currently hold.

Contents cover

The policy covers sudden and accidental physical loss or damage to your contents while at home, or while temporarily away from home for use anywhere in New Zealand. Most things are insured for repair or replacement.

General contents

$
If you'd like some help working out the cost of replacing your contents, please use this handy online calculator.

Specified items

Most of your contents will be covered without having to specify them. However if you own something listed below that’s above the specified item limit you’ll need to add this to your policy. If you don’t the most you will get is the amount listed below.

Add a
To add items in the below categories over their limits, please call us directly on 0800 80 24 27.
Watercraft parts and accessories, motor vehicle parts and accessories, and aircraft parts and accessories (that are not in them or attached to them) up to $1,000 in total To add items in these categories over their limits, please call us directly on 0800 80 24 27.
Unset precious stones up to $500 in total
Unspecified jewellery up to $15,000 in total
Watercraft (including any parts and accessories that are in it or attached to it) up to $2,000 per item
Items that aren’t included in the above categories e.g. dentures, musical instruments, electronics and hearing aids are automatically covered in your general contents sum insured.

Summary

General contents covered $
Plus your specified items
over $() $
Total specified items covered $
Total contents sum insured $
Your cover already includes {description} up to ${limit} per item. If the item is more than this limit, please add it below.
Item name
value
$
Note: Please be aware that proof of ownership such as a purchase receipt or a NZ valuation may be requested in the event of a claim for this item.

Your quote

Get $20,500 of cover for Get home sum insured and $20,500 of cover for Get home sum insured for
$27.49 per fortnight
$27.49 per month
$27.49 per year
Paying by instalments means you'll see a double payment on your first instalment and you'll pay an additional compared to the annual lump sum payment.
Prices include GST and applicable Government levies.

Lock in your online rate today

  • Multi-Policy Discount
  • Cover your belongings if they’re lost or damaged
  • Access to great offers and features with the State app.
Learn more about your insurance cover Learn more about your insurance cover

Have any questions?

Call 0800 80 24 27 with your quote number
QTE614220543

1

Apply for insurance

You’re almost finished. We just need to ask a few more questions in order to offer you insurance.

2

Setup payment

Choose to pay fortnightly, monthly or annually and enter your Credit Card or Direct debit details into our secure payment form.

3

Rest easy

You will be covered immediately* and we’ll send your policy documents to your address.

Your contents policy details

Total contents sum insured
The sum insured is the most we’ll pay in total for any event. For example if your sum insured is $50,000 then you can claim for any content up to that limit, excluding certain categories identified in your policy wording.
Specified items
$

Your home policy details

Total home sum insured
The home sum insured you nominate is the most we will pay in total for any one claim for your house. This includes not only the house itself, but also your driveway, fences, paths, recreational features (eg: swimming pool) or retaining walls.

What your contents policy covers

We cover your belongings if they're lost or damaged while they're in your home or temporarily being used elsewhere in New Zealand.
We'll repair or replace your belongings as if they were new, except the items specified in the policy as being covered for present value only. For belongings like books, clothing, computer software and camping equipment that are covered for their present value, we'll either pay the cost of repairing them to the condition they were in before the loss, or we'll pay you what they were worth. There are limits to the cover we offer for valuable objects like cameras, surfboards, bicycles and jewellery but you can arrange a higher level of cover by specifying these items in your policy.
If you can't live in your home because of a loss covered by this policy, we'll pay for other accommodation for you, your family and your pets. We'll also pay to move your belongings to your temporary accommodation or to a secure storage facility, as well as the cost of moving them back home when the time is right.
We'll cover your belongings while in transit to your new home.* If you are storing your belongings in commercial storage facility we'll cover you for up to six months, provided we have approved the storage arrangements. *Cover is for defined events only.
We cover up to $2,500 per annum for hidden gradual damage to your belongings, which is hidden rot, mildew or deterioration caused by water leaking from an internal water pipe or tank.
We'll cover your legal liability if you accidentally damage someone else's property or if you accidentally injure somebody. Provided they're approved by us in advance, we may also pay your legal fees. There are exceptions to this cover such as for damage caused by your vehicle or watercraft.
If you have an office at home, we'll cover loss or damage to the furniture and equipment provided you own it. If you take the furniture and equipment somewhere else, the limit does reduce significantly.
Note: This is just a summary of the benefits provided in your cover. Please refer to your policy document wording for full details.

What your home policy covers

We'll pay for accidental loss or damage to your property, up to the Home Sum Insured amount specified on your policy schedule.
If you can’t live in your home because of a loss covered by this policy, we'll pay for accommodation for you, your family and your pets while your home's being repaired.
We cover up to $2,500 a year for hidden gradual damage to your home. This is hidden rot, mildew, or deterioration caused by water leaking from an internal water pipe or tank, while you’re living in the home. For example, water leaking from a hot water cylinder or pipes in the walls. This doesn’t apply where: The house is tenanted or vacant Water has leaked from another source, for example the roof or guttering, or a washing machine or dishwasher The damage is not hidden.
You’re covered for any sudden and accidental loss to the home that occurs during the period of cover caused by a natural disaster, subject to the following:
Where EQC Cover applies
  1. If that loss is covered under the EQC Act, or would’ve been but for:
    1. the application of an excess under the EQC Act,
    2. a failure by you to correctly notify a claim to the Earthquake Commission within the time required under the EQC Act,
    3. a decision by the Earthquake Commission to decline a claim or limit its liability for that loss in whole or in part and for any reason whatsoever,
    4. any act or omission on your part, the part of your agent, or the part of the Earthquake Commission, and the cost to repair or rebuild the part of your home that suffered the loss exceeds your maximum entitlement available (or that would’ve been available but for the reasons in 1. a. to d. above), for that loss under the EQC Act (plus the excess under that Act), we’ll pay the difference between that maximum entitlement (plus that excess) and the cost to repair or rebuild the part of your home that suffered the loss.
  2. The most we’ll pay under this benefit is the difference between that maximum entitlement (plus the excess under the EQC Act) and the total sum insured.
Where no EQC Cover applies
  1. Where your claim for loss to the home under this benefit is for, or includes, any part of the home that is not covered under the EQC Act, then the excess will be the higher of:
    1. $5,000, and
    2. the excess otherwise applicable to the claim under this policy.
    Some examples of parts of the home not covered under the EQC Act are: ` gate or fence, ` driveway, ` patio, path, paving, tennis court or other artificial surface, ` swimming pool or spa pool which is not an integral part of the building.
You will have to pay an excess of $250 when claiming for things like a broken window, toilet bowl or fixed glass lampshade. For belongings like books, clothing, computer software and camping equipment that are covered for their present value, we’ll either pay the cost of repairing them to the condition they were in before the loss, or we’ll pay you what they were worth. There are limits to the cover we offer for valuable objects like cameras, surfboards, bicycles and jewellery but you can arrange a higher level of cover by specifying these items in your policy.
We'll pay up to $500 to replace the locks or equivalent devices if your keys are lost or stolen, including the keys to a safe or strong-room.
We'll cover your legal liability if you accidentally damage someone else's property or injure somebody, and it is caused by or in connection with ownership of the home. Provided you check with us first, we may also cover your legal fees.
We'll cover your home if it is damaged by a fire or explosion that's intentionally caused by a tenant or someone living in your home other than you, your partner or a family member.
If your home is completely destroyed we’ll pay you $1,000 to compensate you for stress. You can spend this on whatever you want.
Note: This is just a summary of the benefits provided in your cover. Please refer to your policy document wording for full details.

What do you get if we accept your claim?

Not all contents are insured for their replacement. Learn when we’ll repair the contents, when we’ll replace them and when we’ll pay you for them.

All contents are covered for replacement, except those listed in 'Contents covered for present value' and any item you choose not to repair or replace.

For contents covered for replacement, we can choose either to pay the cost of repairing an item as close as possible to its condition when it was new, or the cost of replacing it.

The items we cover for present value are:

  • Books.
  • Clothing and footwear.
  • Records, audio tapes, video tapes, compact discs and digital versatile discs.
  • Computer hardware that’s more than 5 years old.
  • Computer software.
  • Camping equipment.
  • Watercraft and their parts and accessories,
  • Parts and accessories of motor vehicles, motor cycles, motor scooters (other than mobility scooters), trailers and caravans that are not in them or attached to them.
  • Parts and accessories of aircraft or other aerial devices that are not in them or attached to them.
  • Household linen.
  • Sports equipment.
  • Bicycles.

If an item is covered for present value, we can choose either to pay the cost of repairing it as close as possible to its condition immediately before the loss happened, or to pay its present value.

‘Present value’ means the reasonable cost to repair or replace the item in New Zealand – so that you have an item that is of an equivalent age, quality and capability and that is in the same general condition.

Review your policy details

Policy details
Policy start date
Total contents sum insured
Contents excess
Number of specified items
Home sum insured
Home excess
Discounts
Note: Discounts apply to the base premium amount (or the net base premium after deduction of any other discount(s)) and do not apply to government levies or GST.

Premium includes
Earthquake Commission Levy
Fire Service Levy
GST

Details of your home
Address
Usage
Occupied by
Special features
Year built
Building construction
Roof construction
Self contained units  dwelling
Floor area of home m2
Floor area of freestanding garage m2
Floor area of freestanding garage N/A
Security alarm
Note: The premium is an estimate only, based on the information provided. In order to calculate an accurate premium, determine any expenses or discounts and offer insurance, we just need to talk to ask a few more questions. This premium estimate is valid for the date is was generated.

Legal information

You must give us accurate and complete information, so we can decide whether or not to accept your application and what terms. If you don't, we may reduce your claim, or treat your policy as void from the outset. If anything changes, you must also tell us.

We collect and use your information on any policy on which you're named, for insurance-related and marketing purposes. We may disclose it to our suppliers, your financiers and the insurance industry, including the Insurance Claims Register which holds information on claims.

If you give us information about someone else, you confirm you've got their permission, and their information may be treated in the same way as yours.

In addition to any right to cancel contained within your policy document, you have the right to cancel this policy within 5 working days of receipt of your agreement and we'll provide a full refund of any premiums that you have paid. You can cancel by calling or writing to us.

IAG New Zealand Limited is the insurer for this State-branded insurance. It has an AA-Standard and Poor's rating. This means our claims paying ability is "Very Strong".

Read more about IAG's financial strength rating

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HomePack Comprehensive Insurance

For home sum insured for

For total contents sum insured of

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Note: Paying your premium annually costs less.
Prices include GST and applicable Government levies.

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Fortnightly payments

The first payment to be processed will equal two Fortnightly instalments, totalling *. Each subsequent Fortnightly instalment of will be processed and debited from your bank account.

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Purchase with confidence

  • You can change any details about your policy by calling us on 0800 80 24 27
  • If you’re not happy with this policy you can still change your mind. If you tell us within 15 days of the policy start date, we’ll cancel it and refund in full any premium you've paid. This doesn't apply if you've made a claim on your policy.

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You will receive by mail a Direct Debit Authority form with your policy documentation for you to complete and return.

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What’s next?

A Certificate of Insurance and confirmation of payment have been emailed to . Your policy documents will be sent to you by post or email, depending on your preference setting. To change your preference call us on 0800 80 24 27 or log in to My State, your online account.

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You could enjoy a multi-policy discount* of up to 10% off each policy when you add an additional policy type. Get a quote now.

If you want to talk to us about this policy or about adding additional policy types then call us on 0800 80 24 27 and we’ll be happy to help.  Please provide this reference number .

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The team at State

* Discounts apply to the base premium amount (or the net base premium after deduction of any other discount(s)) and do not apply to government levies, GST or optional extensions.