Join ConsumerLoginDonate
  • Consumer NZ
  • About us
  • Consumer rights and advice
  • Subscribe to our newsletters
  • Media releases
  • Terms and conditions
  • Privacy Policy
  • Community guidelines
  • Contact us
  • Membership
  • Join
  • Membership support
  • Consumer magazine
  • Consumer Advice Line
  • Top tests and reviews
  • Other sites
  • Campaigns
  • Stop misleading supermarket pricing
  • Fix the broken electricity market
  • Sign the flight rights petition
  • Stamp out scams
  • Right to repair
  • End greenwashing now

Follow us

© Copyright Consumer NZ. All rights reserved.

House and contents insurance

Protect your home and belongings with house and contents insurance.

Updated February 2026
  • Overview
  • Compare (9)
  • Buying guide

House and contents insurance protects your home and belongings from damage, theft, and unexpected events. We break down what different policies cover, how to make a claim, and handy tips to make sure you’re getting the best value from your insurance.

On this page

  • Choose the best house and contents cover
  • What you need to know when buying house and contents insurance
  • Get the most out of your insurance
  • People's Choice
  • Stay protected in every way


Product suite header image  1

Choose the best house and contents cover

Compare home and contents insurance across different property types and cities, comparing price, coverage, excess, and customer satisfaction. Whether you’re looking for the most affordable option or the best protection for your home and belongings, our research helps you choose the right policy.

See survey



Photo of a couple looking at insurance papers

Best and worst insurance providers

Find out which insurers rate well for price, value for money, communication and customer support.

Learn more



What you need to know when buying house and contents insurance

Check out the top questions and features to look for from our home and contents insurance buying guide.

We also cover important factors like:

  • Sum insured vs replacement cover

  • What’s an excess and how much should it be?

  • Should you buy insurance via a broker?

  • How much does house and contents insurance cost?

  • How to make a claim

  • If it's worth getting insurance if you rent

Read buying guide



Get the most out of your insurance

Make sure you're fully covered and getting the best value with these tips on maximising your house and contents insurance.

8 ways to save on insurance

If you’ve received a notice from your insurer letting you know your premiums are going up. Here are our top tips for bringing premiums down, so you still have protection.


House and contents insurance: What it covers and how to claim

We explain everything you need to know about insuring your home and possessions.


Email templates about insurance

Use these as a guide for writing to an insurance company if it rejects or disputes your claim, or if you wish to reject its offer.



Coin going in a coin bank

How to get a better deal for insurance, power and broadband

We believe loyalty doesn’t always pay, so it's worth shopping around for a better deal. You could save hundreds.

Read more



People's Choice

Pc brands

Our People's Choice awards are granted to brands that consistently rate above average for customer satisfaction and meet out other performance criteria. Become a member and see which brands have earned a People’s Choice award.

Get access to People's Choice



Stay protected in every way

Insurance isn’t just for your home. From car and travel to health and life cover, make sure you’re protected in every way that matters.

Compare car insurance

Updated May 2025
Health insurance policies

Compare health insurance

Updated May 2025
aeroplane flying above a sign

Compare travel insurance

Updated March 2025
Website promo image 1290 x 860  26  width

Is it worth buying pet insurance?

Updated 29 November 2024


Was this page helpful?

More from Consumer

Website promo image 1290 x 860  63  width

Best and worst insurance providers in 2024

Updated 28 January 2025

Compare car insurance

Updated May 2025
Health insurance policies

Compare health insurance

Updated May 2025
NZ cash and coins.

KiwiSaver fund comparison

Updated February 2026