State Home Insurance

State has been a trusted partner that has been taking care of its client's insurance needs for over a century.

With a rich history spanning more than 100 years, they’ve become experts in understanding the unique insurance requirements of their fellow Kiwis. They take pride in managing approximately 900,000 policies for over 400,000 customers, constantly striving to protect the things that matter most to you.

Leading the insurance industry by doing things differently

While many people associate insurance with physical objects like houses and cars, at State, they recognise that the true value lies in their families and cherished memories. That's why they go beyond the conventional and work tirelessly to safeguard what you hold dear.

They also place you at the heart of everything they do, whether it's offering protection for your most prized possessions or actively supporting the local communities.  

With their focus on the present and a vision for the future, they’re dedicated to making the world a safer place for all by providing reliable home insurance options that offer peace of mind and protection for homeowners.

Fostering a culture of teamwork and impact

State’s commitment to excellence extends beyond its customers to its remarkable team. They believe in creating an environment where everyone can thrive, fostering a culture of collaboration, and providing their staff with opportunities to make a real impact.

They’re deeply committed to embracing diversity and acknowledge that talent transcends gender, culture, and background. By conducting an annual diversity census, they consistently strive to achieve their diversity objectives by recognising and leveraging the strengths of diverse thoughts and viewpoints.

Introducing additional rewards through the Flybuys Programme

In addition to the commitment they have towards their clients and community, they proudly offer the Flybuys Reward Programme. As the only general insurance company to participate in Flybuys, they provide you with exciting opportunities to earn rewards while protecting what matters most.

By registering your Flybuys card with them, you can earn one Flybuy for every $25 of premium paid on State policies. With Flybuys, you have the flexibility to choose how you want to be rewarded, whether it's through points, fuel discounts, or grocery savings.

Be part of something bigger and better while saving along the way

When you choose a State, you not only get comprehensive insurance coverage but also support its proven response to natural disasters. They ensure that your premiums contribute to quality repairs and replacements.

To reduce your costs, you can do the following:

• Customise your coverage
• Adjust the sum insured
• Consolidate policies for discounts
• Change payment frequency
• Increase excess
• Exclude young drivers
• Explore lower coverage options while staying insured

State offers comprehensive insurance services, including auto, home, life, and business coverage, ensuring peace of mind and protection for all.

Benefit from State’s home insurance deals

State's home insurance offers valuable benefits and extensive coverage for your residence, including protection against natural disasters like earthquakes and landslides.

By insuring both your home and its contents with their HomePack insurance, you can save time and money while earning Flybuys points for every $25 of premium paid. With State's insurance, you're protected against unexpected damage to your home, including damage caused by pets.

They cover repairs or replacements up to the sum insured. In the event of a claim for both your home and its contents resulting from the same incident, you'll only need to pay a single excess, with the highest applicable excess applied.

Additional assistance and online calculator are at your disposal

State offers 24/7 customer service, online and on-call, for convenient house insurance claims and inquiries.

You can also make use of their Cordell Sum Sure Calculator to determine an accurate sum insured. This calculator is made to consider rebuilding costs, inflation, demolition expenses, consent, and more.

A comparison of the home insurance packages that can be tailored to your individual needs.

They offer two primary home insurance policies: Home Comprehensive and Home Essentials.

The Home Comprehensive policy provides full cover for your home up to the sum insured. Which include benefits such as alternative accommodation costs, hidden gradual damage coverage, and breakage cover for windows, doors, sinks, and basins.

Whereas the Home Essentials policy provides coverage for your home's current value (excluding the value of the land) in the event of a sudden and accidental loss caused by specified events.

They also offer a range of other insurance options to suit your needs. Their Homepack Comprehensive policy allows you to combine home and contents comprehensive policies at the same address, saving you up to 15%.

They provide Landlord insurance to protect your rental property and income, as well as Home Essentials insurance for those who prefer cover for the essentials.

Reasons why State insurance is your go-to place for home policies

Choosing State’s home insurance allows you to protect your biggest asset, combine home and contents insurance, benefit from multi-policy discounts, and earn Flybuys rewards.

They also strive to provide you with comprehensive coverage, exceptional service, and the flexibility to tailor your insurance to meet your specific needs. Trust State to protect what matters most to you and enjoy the peace of mind that comes with reliable insurance coverage.