Tower Contents Insurance

Supporting Kiwis for over 150 years, Tower Insurance has grown to operate in both New Zealand and the Pacific Islands. They started way back in 1869 with an initial capital provided by the government. And now, they’ve set their sights on meeting the digital-first, insurance demands of their community. They are always looking for ways to improve their speed of service and make the process easier, and this extends to Tower Home and Contents Insurance.

Contents Insurance Calculator

Why choose Tower Contents Insurance?

There’s a lot of good reasons to choose Tower Home and Contents Insurance in NZ. Benefits for getting their insurance policy include:

New-for-old replacement cover
One event - one excess
Plain Language policy wording
Temporary accommodation
Excess-free cover for spectacles, contact lens, hearing aids, and dentures claims
Legal liability to other people’s property

Types of Tower Contents Insurance policies NZ:

Premium Contents Insurance

Tower’s highest level of cover. This includes a lot of additional benefits and is the best fit for people who have a lot of valuable possessions to protect.

Temporary accommodation up to $30,000 should your house be damaged
Curtains and other windows are covered, including exact-match cover
Bicycle or E-bike cover up to $10,000
Spectacles, contacts, hearing aids, and dentures
Up to $10,000 of your home office
Storage cover for when your house is damage up to $20,000

Plus Contents Insurance

This is a comprehensive cover that offers more coverage than their standard level of policy. It offers:

Replacement value for content
Spectacles, contacts, hearing aids, and dentures
Jewellery cover up to $2,500 and a maximum of $15,000 in total from any one loss
One event, one excess even if you need to claim on multiple Tower policies
Temporary accommodation for up to $25,000
Keys and locks cover up to $1,000

Standard Contents Insurance

This is a budget-friendly insurance option that still provides cover for your possessions. It offers the following benefits:

One event, one-excess claims if you have multiple insurance policies with Tower Insurance
A no-claims bonus if you haven’t made a claim with Tower or your previous insurer
Temporary accommodation up to $15,000
Tenant liability coverage in case you cause damage to property you rent
Keys and locks cover for $500
Frozen food cover for up to $500 should your fridge suddenly stop working

All three insurance options come with the following key benefits: