State Landlord Insurance

State has been a trusted partner for over a century, providing insurance solutions that have safeguarded the people of New Zealand.

With a firm belief that the most valuable treasures in life are families and cherished memories, State Insurance NZ has continuously strived to protect what truly matters.

While many perceive insurance as protection for material possessions, State's unwavering commitment lies in safeguarding the intangible aspects that define life. By placing you at the heart of everything they do, State sets itself apart as a business division of IAG New Zealand Limited (IAG), focusing on a brighter and safer future for all.

With a proven track record of providing personal and business insurance, State has earned its place as a market leader, ensuring a secure tomorrow for you.

State's evolution as a market leader in protecting New Zealanders

State is rooted in a profound understanding of the insurance needs of New Zealanders. Throughout its storied history, the company has evolved and grown, managing an impressive portfolio of around 900,000 policies for over 400,000 Kiwis today.

Dedicated to diversity, inclusivity, and social impact

Community is at the heart of everything State does. The company takes pride in supporting the local community and empowering its diverse workforce. Embracing the belief that talent knows no bounds, they foster an inclusive and supportive environment where everyone can thrive. Through initiatives like Volunteer Days, their dedicated staff contributes to the betterment of local community groups.

As a proud participant of the Rainbow Tick programme, the company champions diversity and inclusivity, creating a workplace where uniqueness is celebrated. State's partnership with the Insurance Council of New Zealand (ICNZ) reflects its commitment to fair insurance practices, ensuring you receive the utmost care and consideration.

Safeguarding your rental investments

State’s tailored landlord insurance for a prosperous future

As part of its comprehensive range of insurance solutions, State Insurance NZ understands that investment properties are not just bricks and mortar – they represent a significant commitment and a means to secure your future.

For landlords seeking to protect their valuable investments, State offers specialised landlord insurance tailored to address the unique challenges and risks faced in the rental property market.

Whether it's safeguarding against unexpected damage, liability concerns, or loss of rental income, their Landlord insurance is designed to provide peace of mind, ensuring that landlords can focus on growing their investments with confidence.

Your unwavering partner for a safer tomorrow and beyond 

State stands as a pillar of strength and reliability, driven by a customer-centric approach, a vision for a safer tomorrow, and a deep commitment to your well-being and that of the communities they serve. As the company continues to evolve and embrace the future, its legacy of trust and protection remains unwavering, making State an enduring partner for generations to come.

When it comes to safeguarding your rental property and securing your income, State offers comprehensive landlord insurance packages designed to cater to your unique needs.

With a commitment to protecting your valuable investment, they go beyond the basics, providing extensive coverage and peace of mind. Whether you need protection against sudden damage, loss of rent, or intentional tenant actions, they have you covered.

Restoring your rental property's resilience

State's repair and rebuilding package

The repair and rebuilding package ensures that your rental property remains a reliable source of income even in the face of unexpected damage. If your property requires repair or rebuilding due to sudden and accidental loss or damage, State will cover the costs of restoration, bringing your property back to a condition as close to new as possible. This includes compliance costs, demolition and removal expenses, professional fees, and even restoration of the garden.

Preserving what matters with State insurance NZ

Comprehensive contents cover for your rental property

Your rental property's contents are as important as the property itself. State's comprehensive contents cover package offers protection for the contents you own in your rental property. In case of damage, they’ll either repair the contents or reimburse you for their value before the loss or damage occurs.

With a standard limit of $10,000 for contents coverage, you have the option to choose a higher level of coverage to suit your unique needs. Feel at ease knowing that your belongings are protected under State's comprehensive landlord insurance.

State's robust loss of rent coverage for landlords

They understand the significance of rental income for landlords. That's why they offer extensive loss of rent coverage packages to ensure your financial stability even during challenging situations.

If your rental property becomes uninhabitable due to covered damage or if you have to evict tenants who haven't paid their rent, State will support you with up to 52 weeks' rent for property damage and up to 12 weeks' rent for evictions. If tenants vacate without notice, State provides up to 6 weeks' rent coverage, safeguarding your income stream.

State Insurance NZ for peace of mind and prosperity

Whether it's protection against intentional tenant damage or theft, legal liability coverage of up to $1 million, or payment legally stopped due to unforeseen circumstances, State's landlord insurance offers the peace of mind you need as a property owner.

To ensure you benefit fully from these insurance packages, landlords or their authorised agents must meet certain qualifications, including tenant selection protocols and regular inspections. Rest assured, State is committed to your success, making landlord insurance a vital tool in securing your future and your rental property's wellbeing.