House and contents insurance Updated 07 Apr 2011

House and contents policies compared

You are viewing 14 of 14 products.

Company/Policy name Premium rating - Young couplehelp
 Premium rating - Family of twohelp
 Premium rating - Family of fourhelp
 Premium rating - Retired couplehelp
 Policy coverhelp
AA Insurance Home and Contents Cover 4  5  4  4  4 
AMI Premier House and Contents 5  5  5  3  3 
ANZ Asset Protector 2  3  3  5  4 
ASB Bank Home Insurance and Classic Contents 5  5  5  5  4 
BNZ PremierCare 4  4  4  3  4 
Kiwibank House and Contents Extra Cover 5  5  4  5  4 
Lantern Insurance Echelon Home and Contents 1  1  1  1  4 
National Bank Principal Protect 2  3  3  5  4 
PSIS Asset Care 5  5  5  4  3 
SIS Insurance Home and Contents     3  3  5 
State Home and Contents Comprehensive 4  5  3  2  4 
Tower Provider House Maxi Provider Contents Maxi 4  5  3  5  4 
TSB Bank House and Contents Cover 4  5  4  5  4 
Westpac Home and Contents Cover 4  4  4  3  4 

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.