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Contents insurance


Whether you’re a homeowner or a renter, a uni student with only a few gadgets, or a large family with heaps of stuff, we make it easy to choose the right contents cover. Easy to get a quote and easy to buy.

Protecting your personal belongings is more than just a safety measure, it's about peace of mind. Many homeowners and renters may not be able to afford to replace their valuables if they are lost or damaged in an accident, a fire, a burglary or a natural disaster like an earthquake, flood or storm. But with contents insurance, you won’t have to as it protects you and your family members when belongings no matter how small or expensive, are lost or damaged, up to the policy limit and sum insured.

Compare contents insurance cover

When shopping for contents insurance you need to secure an appropriate level of cover, one that reflects your situation. Too much cover and you may overpay on premiums. Too little cover and you may not be able to repair or replace your valuables. But with the right level of cover, you can be confident that your belongings are protected. 

Comprehensive Everyday Plus Contents Cover
Everyday Contents Cover
Portable valuables
We will cover you for the loss, damage or theft of portable valuables. Portable valuables are contents 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.
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Optional

Contents in transit
If you are permanently moving to a new address in New Zealand, you will have cover for your contents while they are being moved, for loss or damage caused by fire or flood, or by accident or theft of the vehicle carrying them.
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Jewellery and watches
We will cover the costs of your jewellery and your watches if they are lost, stolen or damaged.
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$2,500 per item or set up to $10,000 total (unless specified)

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$1,000 per item or set up to $4,000 total (unless specified)

Contents temporarily removed for up to 180 consecutive days
We will cover if you remove your contents to a new temporary address or a bank deposit box (also known as safe custody).
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Up to 25% of contents sum insured

Food and medication spoilage
We will cover you for the spoilage of refrigerated food, frozen food and refrigerated medicines.
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Up to $1,000

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Up to $500

Paintings, pictures, art, antiques, sculptures, ornaments and art objects
We will cover you for the loss, damage or theft of certain art objects, such as paintings and sculptures.
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Up to $20,000 each item or set up to $80,000 total

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Up to $10,000 each item or set up to $50,000 total

Accidental loss & damage (anywhere in New Zealand)
We will cover you for accidental loss or damage to your property, no matter where that loss or damage occurs in New Zealand.
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Optional

Home office equipment
We will cover you for the loss, damage or theft of home office equipment, such as your computer, printers, keyboards and more.
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Up to $15,000

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Up to $10,000

Financial transaction card cover
We will cover you for your losses (less any amount covered by your bank) if your debit or credit card is stolen from the insured address and used fraudulently.
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Up to $2,500

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Up to $1,500

Identity theft cover
We will cover you for the reasonable costs you have to pay in trying to re-establish your personal credit history.
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Up to $1,500

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Up to $1,000

Costs to re-establish important documents
We will cover you if certain important documents are lost, stolen or damaged. For example, replacing jewellery valuations, passports, wills, the land title on your home, driver licences, and marriage and birth certificates.
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Up to $1,000

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Up to $500

Loss or damage from natural disasters
We will cover you if an insured natural disaster causes loss or damage to your contents.
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Lost, damaged, or stolen contents (replaced with new)
We are able to replace your items if they are lost, damaged or stolen as a result of an insured event.
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Loss or damage when contents are in storage
We will cover you for loss or damage if your contents are in a storage facility.
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Temporary accommodation costs
If your home becomes uninhabitable because of an insured event that also causes loss or damage to your property, then we can cover the costs of temporary accommodation.
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Liability cover
If you mistakenly damage someone else's property, we'll cover you for up to $2 million if you incur legal liability.
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Fatal injury compensation
We will pay your estate if you pass away as a direct result of the event that we have covered a claim under your contents insurance policy.
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Up to $5,000

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Up to $5,000

Visitor's contents
We cover items belonging to visitors in your home if they are damaged by a covered event.
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Up to $1,000

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Up to $500

Benefits of choosing AMP contents insurance

Excess options to reduce your premium

When choosing contents insurance, you can reduce your premium by voluntarily increasing your excess (that is, the amount you pay for each insured event when you make a claim).

The ability to set your own limits

You can increase the limits on some of your items, so that you can have the cover  you need. This is applicable for items such as jewellery, watches, hand-woven rugs, pictures and paintings.

Flexible payment options to suit you

You can pay your insurance premiums fortnightly, monthly or yearly. Simply select the payment option that best suits you when you purchase your insurance online.

How do I calculate how much my contents are worth?


How much contents insurance do I need? Whether you’re a renter or homeowner, working out the total value of your belongings can be tricky. The contents insurance calculator is here to help.

Calculate your contents value

Save with our house and contents bundle deal


Looking to protect your home and household contents in it? Look no further. You could eligible for a discount when insuring your home and contents together. Find out more about eligibility criteriacompare home and contents insurance and choose the right cover for you.

Get your quote now


Common questions about contents insurance

What is the difference between home insurance and 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 disasters. 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.

Will contents insurance cover my things overseas?

Unfortunately not. AMPs 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.

Does household contents insurance cover windows?

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

Can you claim on a broken TV on 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.

Does my contents insurance cover my mobile phone?

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.

Do you cover my contents in a flatting situation?

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.

Are my contents covered while studying?

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.

Does contents insurance cover water damage?

Yes. You’ll be covered for gradual damage to your home and/or contents 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, flood or simply by someone accidentally leaving a tap on in the bath, then we provide cover for these events too. Refer to your policy document for further information about this cover.

What is not usually covered by contents insurance?

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.

Does my contents insurance cover moving?

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.

Does contents insurance cover damage caused by flooding?

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 disaster up to the sum insured.


Need a little help choosing contents insurance?


If you’re unsure about your insurance needs, and what’s covered by our contents insurance policy, we're here to help. Give us a call and speak to one of our insurance specialists or book a call at a time that suits you or get a quote online.

1. Call 0800 267 263 or book a call with an AMP insurance specialist.
2. Search for your existing adviser.
3. Get a quote online.


Looking for other insurance options?

Car insurance
Car insurance

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House insurance
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Get your most valuable assets covered with home insurance.

Renters insurance
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Flexible contents cover for renters.

All insurance
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Find out more about AMP insurance cover options.

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.