Full cover contents insurance

Comprehensive Contents insurance protects belongings with full cover for accidental loss or damage – at home or temporarily anywhere else in New Zealand.

Key benefits & details
Umbrella Dollar
Your old is replaced with new 

We’ll replace most household items with new ones, no matter how old they are. For certain items we'll only pay present day value. 

Cover for expensive items 

Jewellery, cameras and other possessions worth more than $3,000 can be covered – just specify them in your policy.

New locks, keys or remote doors openers 

Up to $2,000 towards replacing these if they’re lost or stolen, and you live in your home - with no excess to pay.

Liability for accidental damage to someone else’s property 

You’re covered for up to $2 million of accidental damage to someone else’s property.

30-Day Free look period

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.


 Learn more about what's covered now. 

Working out your cover
mym budget calculators

Contents Insurance Calculator

This Contents Calculator will help you estimate the amount of cover you might need.

How can I save money on my premiums?

Increase your excess: You could save money on your premium by increasing your excess.

Get Westpac Home Cover: If you live in your own home and insure it with our home insurance, you’ll get up to a 10% discount on your contents insurance.

Get an alarm installed: if you live in your own home and have an approved alarm installed by an approved alarm installer, you could get up to 4% discount.

Over 50s insurance discounts: If you’re 50 years or over, we could offer you a discount. If you’re over 60, we can offer an even bigger discount (excludes rental properties or where the policy is in the name of a trust or company).

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Contents Insurance

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Vehicle & Car

Westpac Full Contents Cover is arranged by Westpac New Zealand Limited ("Westpac") and underwritten by IAG New Zealand Limited (”IAG”). Neither Westpac Banking Corporation ABN 33 007 457 141 nor Westpac guarantee the obligations of, or any products issued by IAG. Westpac may receive commission payments as a result of the arrangement of IAG 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.

Additional cover
You're also covered for Up to
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 (max $25,000)
Items used for a home business whilst at home  $10,000 (sub-limits apply) 
Wedding or Christmas presents temporarily stored at your house  The standard policy limits apply – refer to your policy for more details
Fraudulent use of your credit card or cheque book if they’re stolen $500
Paintings and artworks $10,000 each 
Your personal belongings during travel to Australia or the  South Pacific Islands (maximum three weeks travel) $5,000
A payment to your estate if you or your spouse die from a fire or burglary at home $5,000 each ($10,000 total) 
A stress payment if you suffer total loss $1,000 

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.

Get Westpac Home Cover with a 30 day free look

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.