| Premium rating - Young couple |  |
|---|---|
| Premium rating - Family of two |  |
| Premium rating - Family of four |  |
| Premium rating - Retired couple |  |
| Policy cover | |
Policy
| Company/Policy name | State Home and Contents Comprehensive |
|---|---|
| Credit rating | AA- (Very Strong) Standard and Poor's |
| Contact number | 0800 80 24 24 |
| Website | www.state.co.nz |
| Online quote available |  |
| Notes | State Insurance is underwritten by IAG New Zealand |
Excesses
| Standard excess - contents ($) | 250 |
|---|---|
| Standard excess - house ($) | 250 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players | |
|---|---|
| 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 | Up to $500 |
| Dentures | |
| Frozen food | |
| Furniture | |
| Hearing aids | |
| Home appliances | |
| Linen | |
| Jewellery | Up to $2500 and $15,000 for any event |
| Keys and locks | upt ot $500 |
| Mobile phones | |
| Professional equipment / work tools kept at home | Up to $7500 |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to $20,000 per event |
| Tertiary student away from home in student hostel | |
| Video games | |
| Watches | Up to $2500 unless specified |
| Watercraft and / or outboard motors | Up to $2000 surfboard, windsurfer, dinghy or canoe only |
Contents exclusions
| Cleaning damage | Included |
|---|---|
| Sports equipment in use | Included |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | |
|---|---|
| Hedges/shrubs | |
| Gradual deterioration | Up to $2500 |
Additional cover
| Personal liability | Up to $1 million |
|---|
Guide to the table
We've provided policy detail and premium summary information for each of our consumer profiles requiring both house and contents insurance. See Consumer profiles for more information.
For a comparison of contents-only policies, see Contents-only policies compared.
Policies
The house policies are based on open-ended replacement cover.
2 ticks = replacement cover; 1 tick = indemnity cover.
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.
- HSBC and Ansvar declined to take part in our survey.
Click on the question mark symbols beside the headings for more information.
