Insurance for Renters

Get your stuff covered with contents insurance for renters. Quick and easy to quote and buy online.

If you’re flatting with friends or renting your own place, it’s important to protect what matters to you. Often overlooked and undervalued, contents insurance for renters provides cover for those who live in rental properties.

Contents insurance can provide cover for your furniture, electronics, clothing, appliances, and any other items within the home, and if noted under Everyday cover, away from the home. It can help you in the event of theft, damage, or disaster and can also cover your belongings if they are damaged or destroyed by a fire, flood, or other natural disaster.

Compare our contents insurance for renters

Cover for accidental damage, theft, and major events (such as an earthquake, storm, fire or flood).

Cover for theft and major events (such as an earthquake, storm, fire or flood).

Accidental loss or damage

At the home or anywhere in New Zealand

Optional with portable valuables benefit

Mobile phone

Electronics, including mobile phones, are included under general items. Under Everyday cover mobile phones can be covered away from the home with the optional portables valuables benefit.

At home (away from home optional with portable valuables benefit)

Temporary accommodation for tenants

We'll pay the cost of temporary accommodation if where you're renting is being repaired or rebuilt following a loss or damage to the home (up to 10% of the sum insured and up to 12 months).

Portable valuables

Items that are normally carried with you away from the insured address such as jewellery, handbags, wallets, mobile phones, laptops, tablets, sporting equipment and photography equipment.

optional with portable valuables benefit

Recreation and leisure equipment

We'll cover your recreation and leisure equipment such as surfboards, kayaks, and bicycles (including e-bikes).

Jewellery and watches

Unless item is specified on your policy

$2,500 per item or set up to $10,000 total

$1,000 per item or set up to $4,000 total

Home office equipment

Cover for home office equipment kept at your home for personal or business use.

Up to $15,000

Up to $10,000

Moving house

If you are permanently moving to a new address in New Zealand, we will cover your contents while they are being moved, for loss or damage caused by fire, flood, or accident or theft of the vehicle carrying them.

Legal liability

We cover your legal liability to pay damages or reparation for loss or damage to someone else’s property (up to $2 million) or for bodily injury to other people (up to $1 million).

Spoiled food and medication

Cover for spoilage of refrigerated food, frozen food and refrigerated medicines.

Up to $1,000

Up to $500

Visitor's contents

Covers loss or damage to visitor’s contents caused by an insured event.

Up to $1,000

Up to $500

Financial transaction card cover

Cover for your losses if your credit or debit cards are stolen from the insured address and used fraudulently (less any amount covered by your bank).

Up to $2,500

Up to $1,500

Identity theft cover

Cover for the costs you have to pay in trying to re-establish your personal credit history.

Up to $1,500

Up to $1,000

Need help with your car insurance too?

It can be easier having your insurance all in one place. We can help you get your A to B covered with car insurance too. Whether you're looking for comprehensive or third party car insurance, we've got you covered.

Quote or buy online now

Contents insurance for renters FAQs

Does my contents insurance for renters cover my flat mates' stuff?

No. Only your belongings, or those of your immediate family members who live with you, will be covered at the flat under your policy. Your flat mates, boarders or other guests will need to take out their own contents policy to cover their stuff.

Does contents insurance for renters cover my mobile phone?

Yes. Your mobile phone is included under general items in your contents policy. Under Everyday cover you will need to select the portable valuables optional benefit if you want cover for accidental loss or damage away from your home.

Does contents insurance for renters cover moving house?

Yes. If you are permanently moving to a new address in New Zealand, most of your contents will be covered while they are being moved for loss or damage caused by fire, flood, collision, overturning or theft of the vehicle carrying them. Cash, cards and similar cash substitute items are not covered during transit. The policy wording provides the full list of excluded items.

Is my home office equipment covered?

Yes. We cover home office equipment kept at your home for personal or business use. Our comprehensive - Everyday Plus contents policy provides cover up to $15,000 and our Everyday contents policy provides cover up to $10,000.

How do I know how much my stuff is worth?

It's hard to know how much an item is worth, especially after having owned it for a few years. It's worthwhile considering how much it would cost to replace your stuff if you suffered a total loss. Not just your electronics and jewellery, but your clothing, appliances and kitchen utensils too.

To help you get an estimated cost of your contents, look at prices for similar items online and always use the standard retail price.

Manage your insurance with AMP My Insurance Manager

When you purchase an online policy with AMP you can view, update, and keep track of your insurance 24/7 with My Insurance Manager. Login or register today.

Login now

Need a little help?

If you're unsure about your insurance needs, we're here to help. Give us a call on 0800 267 263 and speak to one of our insurance specialists or book in a call at a time that suits you.

Have an existing insurance adviser or broker? Find them here.

Insurance (excluding travel) is underwritten by Vero Insurance New Zealand Ltd. This information is only intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.