| Standard excess ($) | 250 |
|---|---|
| Premium rating |  |
| Policy rating |  |
Policy
| Company/Policy name | State Contents Comprehensive |
|---|---|
| Insurer | State Insurance is underwritten by IAG New Zealand. |
| Credit rating | AA- (Very Strong) Standard and Poor's |
| Contact no. | 0800 80 24 24 |
| Website | www.state.co.nz |
| Online quote available |  |
Excess
| Standard excess ($) | 250 |
|---|
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, DVDs, videotapes, portable music equipment | |
|---|---|
| Bicycles | Up to $2000 unless specified |
| Blinds/curtains | |
| Books | |
| Cameras | Up to $2500 |
| Camping equipment | |
| Carpets and floor coverings | |
| Cash | Up to $500 |
| Computers | Under 5 years old |
| Computer software | |
| Credit card fraud | Up to $500 |
| Dentures | |
| Frozen food | |
| Furniture | |
| Hearing aids | |
| Home appliances | |
| Linen | |
| Jewellery | Up to $2500 unless specified |
| Keys and locks | |
| Mobile phones | |
| Professional equipment / work tools kept at home | Up to $7500 |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to $20,000 for any event |
| Video games | |
| Watches | Up to $2500 unless specified |
| Watercraft and / or outboard motors | Up to $2000 surfboard, windsurfer, dinghy or canoe only |
Exclusions
| Cleaning damage | Included |
|---|---|
| Sports equipment in use | Included |
Additional cover
| Personal liability | Up to $1 million |
|---|
Guide to the table
We've provided policy detail and premium summary information for our consumer profile requiring contents-only insurance. See Consumer profiles for more information.
For a comparison of house and contents insurance, see House and contents policies compared.
Note:
- AMP, NZI, Lumley and Vero were excluded as they are sold through brokers or other brands rather than directly to the public.
- FMG and Medical Assurance were excluded as they are only available to people in certain geographical locations or professions.
- Ansvar and HSBC declined to take part in our survey.
Click on the question mark symbols beside the headings for more information.
