Contents insurance protects the things that make your house a home. Here’s what a standard policy in New Zealand typically includes:

• Protection for Your Belongings
  Covers your furniture, electronics, clothing, appliances, and other personal items against losses such as theft, fire, flood, accidental damage, and natural disasters.
• Cover at Home and Away
  Many policies include limited cover for items temporarily taken outside the home—such as laptops, phones, or jewellery.
• Legal liability

Your legal liability is commonly insured under this product to protect you against any damage to other people’s assets.

• Optional Extras
  Add extra cover for high-value items like art, watches, bikes, or mobile devices, so you’re fully protected where it matters most.

Contents cover is important for homeowners or renters, wherever your assets are kept.Subject to variations in insurers wording, exclusions and case specific endorsements.