Compare contents insurance

With Westpac contents insurance you can choose Comprehensive Cover or Renters’ Cover. But which one is right for you? Our comparison table will help you decide which suits you best.

Compare Full Cover vs. Renters’ Cover


Benefit  Full Cover  Renters’ Cover
Accidental or sudden loss of or damage to contents anywhere in NZ Your chosen limit  Up to 25,000 
Personal liability Up to $2mil  Up to $2mil
Temporary accommodation for you and your dogs and cats if you live in your home and it’s damaged and unable to be lived in 12 months (up to $25,000) 6 months (up to $5,000)
Hidden gradual damage Up to $3,000 -
New for old on most  household items Yes Yes (depending on occupancy of the home)
Paintings & artworks $10,000 per item  unless specified  Up to $1,500 per item unless specified 
Valuable items (e.g. jewellery) Up to $3,000 
per item
Up to $1,500 
per item
Watercraft $3,000 in total  $1,500 in total
Money, unset stones & vouchers $500 $250
Fatal injury cover $5,000 (up to $10,000) -
Stress payment for total loss $1,000
Lost or stolen home keys $2,000 
Damage caused by pets $1,000  -
Overseas travel - Pacific/Australia for up to 3 weeks $5,000 -
Young person’s cover – cover while living away from home $500 per item (up to $5,000 in total)
Fraudulent use of credit card or cheque books if stolen $500
Wedding or Christmas presents temporarily stored at your house The standard policy limits – refer to your policy for more details

Read your policy

To see the full terms, conditions, exclusions and limits that apply, refer to the Contents Cover section of the Westpac Home, Content, Vehicle and Boat Cover policy document here.


Work out how much you cover need

If you want to work out how much contents cover you might need, we want to help.  Our Contents Checklist will give you a hand working out the value of your contents:

Download the Contents Checklist 


Get contents insurance with a 30 day free look


Call for a quote


With our 30-Day Free look, if you decide the cover is not for you during the free look period, just notify us and we’ll refund any premiums you’ve paid.


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Renters'
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Westpac Home Insurance, Full Cover Contents Insurance and Renters Content Insurance is arranged by Westpac New Zealand Limited ("Westpac") and underwritten by IAG New Zealand Limited (“IAG”). Westpac does not guarantee the obligations of, or any products issued by Lumley, a business division of IAG. Westpac may receive commission payments as a result of the arrangement of Lumley policies. For IAG’s financial strength rating please click here.

The information contained on this page is intended as a general guide only and may vary at times. Terms, conditions, exclusions and limits apply. More detail can be found in the policy document (downloaded here as a PDF), or by calling 0800 809 378. The availability of any insurance cover is subject to the acceptance and approval of a complete application.

Any payment is subject to your claim being accepted.