Tower logo.
  • Phone + 682 22713

Contents insurance

Looking for a quote? + 682 22713
  • Extensive policy that provides a wide range of cover
  • Lost or stolen keys? Put your mind at ease with our keys and locks replacement benefit
  • One event, one excess
  • Get a quote in one easy phone call.

Calculate the contents cover that’s right for you. Our Contents Valuation Guide will help you work out how much contents insurance you need.


  • Replacement cover

    Replacement cover for furniture, furnishings and home appliances under 5 years old.

  • Legal liability cover

    Up to $1,000,000 for your legal liability if an accident happens which causes loss or damage to other people’s property or injury to someone.

  • Temporary accommodation cover

    Up to $10,000 for temporary accommodation costs.

  • Keys and locks cover

    Up to $500 for replacement keys and locks – with no excess to pay.

  • Credit or debit card fraud

    Up to $1,000 if your credit card is fraudulently used.

  • Frozen food deterioration

    Up to $500 frozen food deterioration cover.

  • One event - one excess

    If one event causes you to claim on two or more of your TOWER policies, such as your house, contents and vehicle, you will only have to pay one excess.

Optional benefits

  • Earthquake cover

    Cover for your contents if damaged by earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

  • Gale, windstorm, hurricane, cyclone cover

    Provides cover for loss and damage due to gale, windstorm, hurricane or cyclone. (Special conditions apply).

  • Jewellery replacement

    Covers your jewellery (not including watches) for its ‘replacement value’.

Important: This is a summary only. For a full outline of the policy terms, conditions and exclusions please read the policy wording (below) and the certificate of insurance.

Contents insurance quote

Make a claim

Call us on
+ 682 22713
or drop into your local office.

Contents insurance full policy document

You will need Adobe Reader to view this document.