| Premium rating - Young couple |  |
|---|---|
| Premium rating - Family of two |  |
| Premium rating - Family of four |  |
| Premium rating - Retired couple | |
| Policy cover | |
Policy
| Company/Policy name | Tower Provider House Maxi Provider Contents Maxi |
|---|---|
| Credit rating | A- (Excellent) A.M. Best |
| Contact number | 0800 808 808 |
| Website | www.tower.co.nz |
| Online quote available |  |
| Notes |
Excesses
| Standard excess - contents ($) | 100 |
|---|---|
| Standard excess - house ($) | 200 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players | |
|---|---|
| Bicycles | |
| Blinds/curtains | Under 10 years old |
| Books | |
| Cameras | Up to $2500 |
| Camping equipment | |
| Carpets and floor coverings | Under 10 years |
| Cash | Up to $1200 |
| Computers | |
| Computer software | |
| Credit card | Up to $1000 |
| Dentures | |
| Frozen food | |
| Furniture | Under 10 years old |
| Hearing aids | |
| Home appliances | Under 10 years old |
| Linen | |
| Jewellery | Up to $2500 maximum $15,000 for any event |
| Keys and locks | Up to $1000 |
| Mobile phones | |
| Professional equipment / work tools kept at home | Up to $2000 |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to $25,000 |
| Tertiary student away from home in student hostel | Up to $5000 |
| Video games | |
| Watches | Up tp $2500 |
| Watercraft and / or outboard motors | Up to $1500 |
Contents exclusions
| Cleaning damage | Excluded |
|---|---|
| Sports equipment in use | Included |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | |
|---|---|
| Hedges/shrubs | Up to $2500 |
| Gradual deterioration | Up to $5000 |
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.
