Renters' contents insurance

Renters’ cover could be ideal if you rent or live in a flat. It can cover your belongings up to $25,000 and protect your liability for accidents, anywhere in New Zealand.

Key benefits of Renters’ Cover

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Cover for just your belongings 

Protect your belongings if they’re accidentally lost, stolen or damaged - without having to cover the whole household.

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Easy to set up

Simply choose one of the cover options: $10,000, $15,000, $20,000 or $25,000.

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Replace old for new

We’ll replace most major household items with new ones when your claim is accepted for items lost or damaged beyond repair, if they’re less than five years’ old.

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Temporary accommodation

Could cover you for up to six months if your home is damaged and you need to move out (up to a maximum of $5,000).

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Liability for accidental damage

Covers you for up to $2 million if you accidentally damage someone else’s property.

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Liability for accidental injury 

You’ll have up to $100,000 of costs covered if your accidently cause an injury to someone else anywhere in New Zealand.

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.


Working out your cover

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Use our Contents Checklist

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 

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Need more cover?

If you think you need more cover, you could consider Comprehensive Contents Cover. We’ve got a handy comparison table to help you compare your options.

Compare contents insurance options


Get Westpac Renters' Cover 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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Westpac Full Contents Cover 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.