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Contents insurance

Protect your valuable possessions if they’re accidentally damaged, lost or stolen.

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Great reasons to choose contents insurance at ANZ

  • Insurance you can trust. We’ve partnered with general insurance specialist, Vero Insurance New Zealand Limited (Vero), to offer you comprehensive, value-for-money insurance options. Vero pride themselves on providing quality service, especially at claim time - when it really matters. View Vero's Financial Strength Rating.
  • Easy to manage. View your policy information via ANZ Internet Banking and make changes to your cover by contacting our dedicated ANZ customer support team at Vero.
  • Options to suit your needs. You can extend your policy to cover your belongings when moving house, or if you need to put them into storage.
  • Bundle and save. You may be eligible for a multi-policy discount when you have two or more qualifying insurance policies with Vero (minimum premium levels apply).

Cover overview

Contents insurance with optional extras to suit your situation. Listed below is a summary of the cover and features that may be available. For full details of the terms, conditions and exclusions please see the policy document (PDF 958kb) – it’s simple and easy to understand.

Contents insurance

  • Covers your contents which includes furniture, furnishings, valuables, personal possessions, detachable appliances and household goods for accidental damage, loss or theft, up to your chosen sum insured amount.
  • Get new-for-old replacement cover for many of your contents no matter their age. All other items are covered for the retail value less depreciation for wear and tear, at the time of loss or damage. 
  • Receive a higher amount of cover for certain items by specifying them. Items such as jewellery, bikes, cameras and drones are covered for a limited amount unless you specify them. 
  • Up to $10,000 cover for your home office furniture and equipment.
  • Up to $3,000 cover for hidden gradual damage caused by water leaking or overflowing from internal water pipes. 
  • Up to $2,000 cover to replace your keys and locks if your keys are stolen, lost or duplicated without your agreement. 
  • If you're legally renting the home you live in, your cover will pay for reasonable additional costs of temporary accommodation for up to one month. 
  • Automatic cover for business tools up to $2,000 which can be increased to $10,000 if specified. Cover for business tools is limited to the retail value less depreciation for wear and tear, at the time of loss or damage. 
  • Legal liability cover up to $2 million for loss or damage to someone else’s property, and up to $1 million for accidental bodily injury.

Optional extras

Excess Refund

  • With Excess Refund, you won't need to pay excess when you make a claim. Note this only applies if your claim is higher than your chosen excess amount. Other excess charges may still apply.

Moving House Extension

  • You can extend your policy to cover your contents while you’re in the process of moving to a new home.
  • If your contents have been professionally packed and transported, you’ll be covered for accidental loss or damage to your contents while in transit.
  • If you’ve packed your contents yourself and arranged transport with a removal company, you’ll be covered if your contents are lost or damaged while in transit as a result of fire, or the removal vehicle being involved in an accident or overturning.

Storage Of Contents

  • You can extend the cover available for your contents while they're in storage.
  • You can cover your contents while in an approved secure storage facility for loss or damage caused by fire, lightning and explosion. Cover for theft if there has been forcible and violent entry to the storage facility.

How much cover will you need? Working out your sum insured.

Use our Contents Insurance Calculator to help you work out an indicative value of your possessions. Here’s how:

  • The calculator will help work out the total value of your contents to help you determine your sum insured.
  • The calculator provides estimated values for common household items. For each item you own, you can choose 'average', 'above average', or enter your own value.
  • For items that you wish to specify on your policy like jewellery, you should obtain the value from a registered valuer.

Work out your contents cover

We'll help you figure things out

Looking to get contents insurance at ANZ?

Already have contents insurance at ANZ?

If your insurance is provided by Vero:

  • Call Vero on 0800 831 123 with any questions about your existing policy.


Making a claim

If your insurance is provided by Vero:


From 12 March 2021, ANZ is no longer involved in ANZ general insurance provided by Tower.

If you're enquiring about Tower:

What else do you need to protect?

Your house

You’ve worked hard to get your house – insurance can help you protect it.

Your car

Accidents happen. Insurance can help you get back on the road as quickly as possible.

You and your family

Your family is precious. Make sure they’re looked after if anything happens to you.

Your business

Having the right insurance in place can keep your business running if the unexpected happens.

Get a quote

To get a quote, you’ll be redirected from to the quote tool on Vero’s website.

Start quote

The above information is a summary only of the cover and features that may be available. For full details of the terms, conditions and exclusions please refer to the policy document – Asset Protector printable version (PDF 814KB) or visit any ANZ branch or call 0800 269 296.

All ANZ Asset Protector policies are underwritten and issued by Vero Insurance New Zealand Limited (Vero) and distributed through ANZ Bank New Zealand Limited (ANZ). Full terms, conditions and exclusions apply. No member of ANZ or its related companies or any other person guarantees Vero or its subsidiaries or any of the products issued by them. ANZ may receive a commission on any policy it arranges.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.