State Contents Insurance

State is a reputable contents insurance provider that’s been assisting Kiwis with their insurance requirements for over a century.

With over 900,000 insurance contracts under their management, serving a customer base of over 400,000 New Zealanders, State has developed a deep understanding of the insurance requirements of the local population. 

Distinguishing itself: Customer-centric approach

State differentiates itself by putting you at the forefront of its operations.  Rather than solely focusing on insuring physical assets like houses and cars, State recognises that life's most valuable treasures are your family and cherished possessions such as photographs and family heirlooms. This unique perspective has shaped State's commitment to protecting what truly matters to you.

A business division of IAG

State operates as a business division of IAG, a leading market player dedicated to creating a safer world for you. IAG holds a remarkable financial strength rating, attesting to its robust capacity to honour claims.

Trusted and award-winning

State's dedication to excellence has earned the coveted Trusted Brand Reader's Digest General Insurance Award consistently every year since 2014.

This prestigious accolade highlights the trust and confidence that customers place in State as their preferred insurance provider.

Over a century of insuring Kiwis

Founded in 1905 as a state-owned enterprise, State has defied expectations and flourished as one of New Zealand's leading insurance providers.

From humble beginnings, State has grown to become a trusted name in the industry, with a wealth of experience and knowledge.

Convenient and accessible

State prioritises accessibility and convenience for you. With contact centres strategically located in Auckland, Palmerston North, Wellington, Christchurch, and even Manila, you can easily engage with State's dedicated team through various channels.

Rewarding loyalty

State proudly participates in the Flybuys loyalty program, offering you unique benefits. By registering your Flybuys account with State, you can earn one Flybuys point for each $25 premium paid on any State policies.

Throughout the year, you can earn bonus Flybuys, providing you with a range of rewarding options, from Flybuys rewards to fuel discounts and savings on groceries.

They offer online tools you can use to determine your ideal coverage

Unsure about the amount of coverage you need? They have you covered with their contents calculator, an intuitive tool that provides a quick and accurate estimation of your insurance requirements.

Simply input the necessary details, and you'll have a clearer understanding of the coverage that best suits your needs.

Their reputation: Built on trust and excellence

State's unparalleled experience, customer-centric approach, and commitment to protecting what matters most have established it as a trusted and respected insurance provider.

With a strong heritage, extensive customer base, and unwavering dedication to excellence, they continue to offer comprehensive and reliable insurance solutions to valued customers across the country.

Embedded in State's DNA is a deep commitment to protecting what truly matters. They recognise that your home, family, and cherished possessions are invaluable, and they go above and beyond to safeguard them.

This unwavering dedication has solidified its position as a reliable insurance partner, providing comprehensive coverage and support when it’s needed the most.

State presents four unique content insurance plans, each tailored to meet diverse needs and financial capacities. 

These plans are Contents Comprehensive, Homepack Comprehensive, Contents Essentials, and Homepack Essentials. Each State contents insurance plan boasts its own set of advantages and features, ensuring there's an ideal choice for every individual. 

Contents Comprehensive: All-inclusive protection for your possessions

Contents Comprehensive stands as State's most exhaustive contents insurance plan. It provides all-inclusive protection for most items, irrespective of their age, up to the insured amount of your choice. This plan also extends legal liability coverage up to $1 million in case you inadvertently cause damage to another person's property or inflict injury.

This plan's key highlights include protection for:

• Restoration or substitution of most items
• Unnatural damage or loss
• Temporary accommodation expenses capped at $20,000
• Belongings during storage or transit
• Latent progressive harm up to $2,500 per year
• Home office contents up to $7,500
• Food spoilage
• Up to $500 for stolen card fraud
• Legal representative compensation: $7,500 for fatal injuries.
• Legal responsibility up to $1 million
• Deliberate damage
• Stress payment for total loss: $1,000 for content loss.
• Up to $10,000 for artwork and items such as jewellery, cameras, surfboards, bicycles, and other high-value objects. You can specify items of higher value in your policy to ensure cover.

Homepack comprehensive: Integrated home and contents protection

Homepack Comprehensive merges State Home with the Comprehensive State Content insurance plan, allowing you to save up to 15%. This plan safeguards your home and its contents against sudden and accidental damage up to their respective sum insured amounts.

Prominent features of this plan include everything that's covered under the Contents Comprehensive plan.  

It also offers a $250 excess for claims for windows and fixtures, substitution of keys and locks up to $500, and home workspace essentials coverage up to $7,500.

Contents Essentials: Cost-effective coverage for specific incidents

Contents Essentials is a cost-effective solution perfect for protecting your belongings against particular incidents like fire or theft. This plan offers current value coverage, meaning State will either cover the repair costs or pay you the item’s value.

This plan covers:

• Sudden unnatural loss due to specified incidents
• Legal liability coverage up to $1 million
• Deliberate damage to your items
• You can list your high-value objects if you wish to include

Homepack essentials: Integrated cost-effective home and contents protection

Homepack Essentials amalgamates State's Home and Contents Essentials plans, enabling you to save up to 15%. This plan safeguards your home and contents against sudden and accidental loss or damage caused by a range of events identified in the policy.

Key highlights of this plan include:

• Loss or damage coverage from certain events
• Protection for your home and contents at their present value
• Liability for damage to other's property up to $1 million
• Deliberate damage to your property
• Some valuable items have predetermined thresholds, but you can opt for more cover by providing specific details of these high-value items

Each of these State content insurance plans is crafted with your needs at the forefront, offering a spectrum of coverage options to accommodate different budgets and needs. Whether you're in search of comprehensive protection or a cost-effective solution, State has a content insurance plan that's perfectly tailored for you.