Contents insurance

Home insurance covers the physical structure of your home and its attached structures, providing protection against risks like fire, theft, vandalism or natural hazards. On the other hand, contents insurance focuses on protecting the belongings inside your home, such as furniture, electronics, appliances, and clothing. In many cases it covers you for the cost of replacing or repairing these items if they are damaged or stolen.

The AMP Everyday Plus policy offers limited cover for loss or damage to your jewellery and watches anywhere in the world for up to 30 consecutive days, but only while being worn by you or while in a locked safe. Other than this limited cover, AMP's Everyday Plus and Everyday contents insurance policies will only cover your items while you are in New Zealand.

To ensure that your contents are covered when travelling overseas, please take out a travel insurance policy.

Because windows are a structural part of the house, they are covered under home insurance, not the contents insurance.

If your contents insurance policy covers accidental damage, or specifically mentions televisions as a covered item, you may be able to claim a broken TV. However, intentional damage is typically not covered. It's important to check the terms and conditions of your policy for specific details.

Yes. Electronic items (including your mobile phone) are included in your contents cover as a general item. You may need to specify this in order to get insurance cover.

Yes. If you purchase a contents policy at the address where you are flatting, you will be covered. Only your belongings will be covered at the flat under your policy. This means that your flat mates, boarders or other guests will need to take out their own contents policy if they want their stuff covered.

Your stuff may already be covered if you still live at home and your parents or guardians already have household contents insurance. If you are in your first year of your studies and are staying in a hall of residence, then your parents or guardians' contents insurance may already cover you, up to the limit of $5,000. Check with your parents or guardians first to see if their insurance already covers your stuff before purchasing a new contents insurance policy. Find out more about student insurance.

Whether you'll be covered for gradual damage to your home and/or contents will depend on the type of policy you have. There is no cover provided for gradual damage within the AMP Everyday policy. However, the AMP Everyday Plus policy provides cover, up to $5,000 to your home and/or contents for loss resulting from water leaking or overflowing from any internal water system, provided that the damage first occurs during the period of insurance and the water leak or overflow causing the damage was not visible, noticeable, or obvious to you.

If you suffer water damage that is caused by storm or flood we provide cover for these events too. Refer to your policy document for further information about this cover.

Contents insurance exclusions typically include damages caused by normal wear and tear or intentional damage. It's important to read the terms and conditions of your policy to understand what is and isn't covered.

If you are permanently moving to a new address in New Zealand, we will cover your contents up to the limit of $10,000 while they are being moved, for loss or damage caused by - fire, flood, collision, overturning, accident or theft of the vehicle carrying them. This benefit is paid within the general contents sum insured.

Yes, all AMP contents insurance policies provide cover for sudden and accidental loss and damage caused to your contents by flooding or any other natural hazard up to the sum insured.