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Compare our contents insurance

Whether you're renting or own your own home, our contents insurance covers what matters most to you.

Unsure how much your contents are really worth? Our contents valuation guide will help you work out how much contents cover you need.

Award winning insurance

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Save up to 20% with our multi-policy discount

Save up to 20% with our multi-policy discount

Buy multiple car, house, contents policies and save up to 20%. Ts&Cs apply.

Tower contents insurance replaces damaged contents with new

Damaged contents replaced with new

If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.

Natural disaster damage for your contents

Natural disaster damage

If your contents are damaged in a natural disaster such as an earthquake, flood or cyclone, we'll repair or replace them.

Dedicated to the Pacific

Dedicated to the Pacific

Starting in New Zealand, Tower now cares for six other countries across the Pacific too - with local teams ready to help when you need it.

Earn Airpoint Dollars™ with Tower

Lost or stolen keys? Replaced excess free

We'll replace keys or remotes if they're lost, stolen or you think they're been illegally duplicated, excess free for your first claim.

Guide to buying contents insurance

Our contents insurance policies include

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Plus

Standard

Accidental loss or damage 
We'll pay for the loss or damage to your contents.
Accidental loss or damage
We'll pay for the loss or damage to your contents.
Accidental loss or damage
We'll pay for the loss or damage to your contents.
At your house
Accidental damage anywhere in the Cook Islands 
We'll pay for the loss to your contents anywhere in the Cook Islands.
Accidental damage anywhere in the Cook Islands
We'll pay for the loss to your contents anywhere in the Cook Islands.
Accidental damage anywhere in the Cook Islands
We'll pay for the loss to your contents anywhere in the Cook Islands.
Up to $1,000
Mobile phone 
We’ll cover your phone if it's damaged, lost or stolen.
Mobile phone
We’ll cover your phone if it's damaged, lost or stolen.
Up to $1,000
Mobile phone
We’ll cover your phone if it's damaged, lost or stolen.
Up to $500
Jewellery – per item 
Individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they’re covered. You’ll also need to pay extra to cover them.
Jewellery – per item
Individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they’re covered. You’ll also need to pay extra to cover them.
Up to $1,500
Jewellery – per item
Individual items of jewellery, or sets (for example, earrings) will be covered up to a limit. You need to tell us if you have items worth more than these limits, so we can make sure they’re covered. You’ll also need to pay extra to cover them.
Up to $500
Jewellery – total 
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Jewellery – total
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $5,000
Jewellery – total
This is the most that we’ll pay out at any one time, if you make a claim for your unspecified jewellery.
Up to $2,000
Keys and locks 
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Keys and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Up to $500
Keys and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Up to $250
Spoiled frozen or refrigerated food 
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Spoiled frozen or refrigerated food
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Up to $500
Spoiled frozen or refrigerated food
We’ll pay to replace your frozen or refrigerated food if it is spoiled and unsafe to eat because your refrigeration or freezer equipment accidentally stops.
Up to $250
Home office equipment 
If you operate a business from your home, we’ll cover your home office equipment.
Home office equipment
If you operate a business from your home, we’ll cover your home office equipment.
Up to $5,000
Home office equipment
If you operate a business from your home, we’ll cover your home office equipment.
Moving house 
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Moving house
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Moving house
When moving from one house to another, your contents are covered for fire, collision or overturning of the vehicle while in transit. We'll cover your contents at both houses for up to 14 days.
Riot, strike or civil commotion 
We’ll pay for loss to your car caused by riot, strike or civil commotion.
Riot, strike or civil commotion
We’ll pay for loss to your car caused by riot, strike or civil commotion.
Riot, strike or civil commotion
We’ll pay for loss to your car caused by riot, strike or civil commotion.
Liability protection 
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Up to $100,000
Liability protection
If there’s an accident which causes damage to someone else’s property, we’ll cover you for your legal liability.
Up to $100,000
No claims bonus 
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
Optional benefits 
Optional benefits
Optional benefits
Earthquake 
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your contents caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Gale, windstorm, hurricane, cyclone 
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane, cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane, cyclone
We’ll cover the loss or damage to your contents caused by a gale, windstorm, hurricane or cyclone.
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Contents insurance FAQs

Does contents insurance cover my stuff overseas?

No. Contents insurance only covers your items while you're travelling within the Cook Islands. If you're heading overseas, be sure to take out travel insurance.

Do you cover home office equipment?

Our Plus contents insurance policy does cover your home office, up to $5,000 at your house.

This cover applies to any office furniture and equipment primarily used at home to earn income. This includes hardware and purchased software.

For more detailed information, check the Plus contents policies or call us on +682 22713.

What if I lose or damage my phone?

Don't worry. All of our contents policies cover mobile phones with up to $1,000 covered on our Plus policy and up to $500 on our Standard policy.

If you need more cover for your phone, just let us know and we'll increase the limit for that item.

If your phone needs repairing, we have a network of skilled technicians who can handle this for you.

Can I cover my hearing aid or prescription glasses?

Yes. Our contents policies cover your prescription glasses and sunglasses, contacts, hearing aids and removable dentures. We'll repair or replace them if they are damaged, lost or stolen.

We know how important these items can be to your quality of life, so we strive to get these sorted as soon as possible.

Am I covered for cyclones?

If you need your contents insurance policy to include cyclone cover, you must provide us with a cyclone certificate for your house.

Cyclone certificates should be issued by an engineer we have approved. If you choose to get a cyclone certificate from an engineer that is not on our approved list, we may not be able to accept it. Check our list of approved engineers.

How do I know what my items are worth?

It can be difficult to know how much any specific item is worth, especially after you've owned it for a few years. As a rule of thumb, consider how much it would cost to replace your contents. Not just your electronics and jewellery, but your clothing and kitchen utensils.

To help you estimate this cost, look at prices for similar items. Be aware of sales while you do this. To be safe, always use the standard retail price.

Is general wear and tear to items covered?

Damage to your contents through daily life, ageing and normal wear and tear is not covered.

Do you cover items that belong to others living with me?

We will cover contents of the named policy holders and their family members who live at the same address as you. If you have flatmates, boarders or guests they will need to have their own contents policy for any items that belong to them.