Compare Home Contents Insurance in New Zealand

Use our comparison tool to find the best Home Contents Insurance for your needs.

Contents Insurance Insurance Type

  • Initio

    Provider

    Initio


    Name

    Standard


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $1,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $20,000


    Outdoor And Landscaping Items

    No

  • Westpac

    Provider

    Westpac


    Name

    Full Cover


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $100,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $25,000


    Outdoor And Landscaping Items

    Yes

  • The warehouse

    Provider

    The Warehouse


    Name

    Everyday


    Insurance Type

    Standard


    Policy Wording


    Legal Liability

    $2,000,000


    One Event One Excess

    No


    Temporary Accommodation

    10% of Sum Insured


    Outdoor And Landscaping Items

    No

  • The warehouse

    Provider

    The Warehouse


    Name

    Everyday Plus


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $2,000,000


    One Event One Excess

    No


    Temporary Accommodation

    10% of Sum Insured


    Outdoor And Landscaping Items

    No

  • Tsb

    Provider

    TSB


    Name

    Standard


    Insurance Type

    Standard


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $15,000


    Outdoor And Landscaping Items

    Yes

  • Tsb

    Provider

    TSB


    Name

    Plus


    Insurance Type

    Plus


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $25,000


    Outdoor And Landscaping Items

    Yes

  • Tsb

    Provider

    TSB


    Name

    Premium


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $30,000


    Outdoor And Landscaping Items

    Yes

  • Trademe

    Provider

    Trademe


    Name

    Contents


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $25,000


    Outdoor And Landscaping Items

    Yes

  • Tower

    Provider

    Tower


    Name

    Standard


    Insurance Type

    Standard


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $15,000


    Outdoor And Landscaping Items

    Yes

  • Tower

    Provider

    Tower


    Name

    Plus


    Insurance Type

    Plus


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $25,000


    Outdoor And Landscaping Items

    Yes

  • Tower

    Provider

    Tower


    Name

    Premium


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $20,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $30,000


    Outdoor And Landscaping Items

    Yes

  • State

    Provider

    State


    Name

    Essentials


    Insurance Type

    Standard


    Policy Wording


    Legal Liability

    $1,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    No


    Outdoor And Landscaping Items

    Yes

  • State

    Provider

    State


    Name

    Comprehensive


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $1,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $20,000


    Outdoor And Landscaping Items

    Yes

  • Nzi

    Provider

    NZI


    Name

    Distinction


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $5,000,000


    One Event One Excess

    No


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    Yes

  • Mas

    Provider

    MAS


    Name

    Contents


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $10,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Up to $50,000


    Outdoor And Landscaping Items

    Yes

  • Asb

    Provider

    ASB


    Name

    Basic Cover


    Insurance Type

    Standard


    Policy Wording


    Legal Liability

    $1,000,000


    One Event One Excess

    No


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    Yes

  • Asb

    Provider

    ASB


    Name

    Classic Cover


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $1,000,000


    One Event One Excess

    No


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    No

  • Anz

    Provider

    ANZ


    Name

    Contents


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $10,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    Yes

  • Amp

    Provider

    AMP


    Name

    Everyday


    Insurance Type

    Standard


    Policy Wording


    Legal Liability

    $2,000,000


    One Event One Excess

    No


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    Yes

  • Amp

    Provider

    AMP


    Name

    Everyday Plus


    Insurance Type

    Plus


    Policy Wording


    Legal Liability

    $2,000,000


    One Event One Excess

    No


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    Yes

  • Aa

    Provider

    AA


    Name

    Standard Contents


    Insurance Type

    Premium


    Policy Wording


    Legal Liability

    $2,000,000


    One Event One Excess

    Yes


    Temporary Accommodation

    Yes


    Outdoor And Landscaping Items

    Yes

Compare Contents Insurance

When it comes to protecting your belongings inside the house, you’ll need a good contents insurance policy. With so many providers out there, it may feel daunting to take down each and every detail from each policy out there. This is where glimp can help. When it comes to home and contents insurance in NZ, we offer the best and most convenient insurance comparison tool out there.

Contents insurance covers most of your major appliances and household items, making it very convenient for people who own a lot of expensive items. It helps you with the costs of replacement, so you don’t have to pay for everything out of your own pocket in the event of a loss. As such, it’s important to take out a policy that is best suited to your specific needs and budget. Conduct all your research here in one place and easily compare different contents insurance policies side by side.

Comprehensive or essentials?

Most contents insurance policies offer either ‘comprehensive’ or ‘essential’ cover. Both of these policies vary in terms of coverage. Comprehensive contents insurance often covers your belongings for a wide range of scenarios. For example, it can cover your items in case they were hidden, or gradually damaged from a water leak in your home. It can also cover your items during storage or while it’s in transit as you move from one place to another.

On the other hand, essentials is a budget-friendly option designed to safeguard your belongings from specific incidents like fire or theft. Often, lodging this type of contents insurance claim allows you to receive your belongings in its present condition via repairs, or your insurer will pay you the present value of your insured item. It also safeguards against intentional damage, so long as it’s not caused by you or any of your family members.

Calculating contents insurance premiums

Your premiums are often based on a multitude of factors that your insurer takes into account. It’s often based on the likelihood of a contents insurance claim being made on your policy in the near future. As such, your insurer often considers attributes like:

  • Basic excess amount chosen
  • Your age or the age of the person buying the policy
  • The sum insured
  • Your preferred level of cover
  • Your home’s location
  • How you use your home (e.g. do you operate a business from home?)
  • Risk profile of the given location (factors in things like crime rate and how prone the location is to natural perils like flooding)
  • Your home’s security measures

Of course, depending on whether you have taken other insurance policies with your provider, you may also be eligible for discounts on your premiums as well. That’s why it’s essential to compare contents insurance providers, so that you can get the most out of your policy.

About glimp

glimp is a comparison website for utilities, such as broadband, power and gas. glimp has helped thousands of New Zealanders find the best deals on their utilities since January 2016. The glimp.co.nz comparison and switching service is designed to help you save time and money by finding you the best deal from the right provider, and at the best price.

glimp strives to ensure the information on its website is accurate and up to date, but it may exclude special offers from providers. The information is not an endorsement or advice. Before choosing a provider, you must satisfy yourself as to its suitability for your situation. Terms apply.