Product review
Updated February 2024
House and contents insurance
Protect your home and belongings with house and contents insurance.
![Tower Insurance House and Contents Premium](https://products.consumer.org.nz/_next/image?url=https://images.products.consumer.org.nz/tower-2024.png&w=315&q=75)
Tower Insurance
House and Contents Premium
Annual premium
Policy
Underwriter
Financial strength
Independent complaints organisation
Excesses
Standard excess - house
Standard excess - contents
Main cover - house
Sum insured or full replacement?
Personal liability - house policy
Temporary accommodation following loss
Recreational features
Retaining walls
Additional cover - house
Blocked water or sewage pipes
Hidden gradual damage caused by internal water pipe or waste pipe or cylinder
Keys and locks (house)
Landscaping
Post-event inflation protection
Reduced excess for glass or sanitary fixtures
Main cover - contents
Personal liability - contents policy
Temporary accommodation for homeowners following loss
Temporary accommodation for tenants following loss
Removal and return and storage of contents following loss
Specific items
Bicycles
Books
Cameras and accessories
Carpets and floor coverings - unfixed
Clothing and footwear
Collections (eg stamps)
Computers and computer software
Credit card cover
Jewellery and watches
Mobile phones
Money
Motor vehicle parts and accessories
Sporting equipment
Works of art
Additional cover - contents
Hidden gradual damage caused by water pipe or waste pipe or cylinder
Home office and professional equipment
Keys and locks (contents)
Moving contents to a new address
More info
Satisfaction (house insurance)
Satisfaction (house insurance)
Satisfaction (contents insurance)
Satisfaction (contents insurance)
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