Contents Insurance

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The things you own are a reflection of who you are, the life you've lived and what makes you happy.

We understand the importance of having contents cover that can go beyond everyday household items. That's why we give you the choice to extend cover to include treasured items of jewellery, sports equipment and technology.

Or if you just need the basics, we have cover options for you too.

Documents

Document PDF Vero Residential Contents Policy

Home and Contents claim form Home and Contents Claim Form

Contents valuation guide Contents valuation guide

Looking for something else? View all documents

Two options to cover your contents

Maxi Contents

Most customers choose our Maxi Contents policy, because it offers replacement (or 'as new') cover on almost all of your contents, plus a range of additional benefits, up to the sum insured that you choose.

But there are a few items where your insurance is limited to a dollar amount unless you've specified them for more (like jewellery, bicycles and photographic equipment). Older or lower value contents (like portable electronics over 3 years old and clothing or books regardless of age) will be covered for indemnity (or 'as is') cover.

Flexi Contents

Our Flexi cover is a more affordable, and flexible, option. Rather than providing cover for any accidental loss or damage, your contents are covered while in your home for damage caused by specific events including natural disasters, fire, theft or flooding.

If you have our flexi policy, most of your contents are covered for indemnity (or 'as is') value. You can choose to add optional cover for general accidental damage, cover anywhere in New Zealand or replacement value if you need it.

Compare contents insurance options

Maxi Cover

Flexi Cover

How we'll settle your claim

Maxi Cover

To ‘as-new’ condition on most contents, up to your sum insured

Flexi Cover

To ‘as-is’ condition on most contents, up to your sum insured

Maxi Cover:

We’ll cover your contents for sudden accidental loss or damage.

Flexi Cover:

Flexi covers 12 specific events only. Please refer to the policy wording for full details.

Sudden accidental loss or damage is optional on our Flexi policy at additional cost.

Cover for sudden accidental loss or damage More info

Maxi Cover

Yes

Flexi Cover

Optional

Maxi Cover:

We'll cover your contents that are lost, damaged or stolen anywhere in New Zealand.

Flexi Cover:

Flexi covers contents at your home only.

Cover anywhere in New Zealand is optional on our Flexi policy at additional cost.

Accidental damage, loss or theft anywhere in New Zealand More info

Maxi Cover

Yes

Flexi Cover

Optional

Natural disaster damage

Maxi Cover

Yes

Flexi Cover

Yes

We will cover your legal liability to pay damages or reparation for loss or damage to someone else's property.

Liability for damage to property More info

Maxi Cover

YesUp to $2 million

Flexi Cover

YesUp to $2 million

We will cover your legal liability to pay damages or reparation for loss or damage to someone else's property.

Liability for bodily injury More info

Maxi Cover

YesUp to $1 million

Flexi Cover

YesUp to $1 million

If the home you live in is uninhabitable due to loss or damage, or if you have been prevented from accessing the home by government or local authorities, we'll pay reasonable additional costs for temporary accommodation (including for your pets).

Alternative accommodation if you’re a tenant More info

Maxi Cover

Yes1 month or up to $5,000
(whichever is less)

Flexi Cover

Yes1 month or up to $5,000
(whichever is less)

If the home you live in is uninhabitable due to loss or damage, or if you have been prevented from accessing the home by government or local authorities, we'll pay reasonable additional costs for temporary accommodation (including for your pets).

Alternative accommodation if you’re an owner-occupier More info

Maxi Cover

Yes12 months or up to $30,000
(whichever is less)

Flexi Cover

Yes12 months or up to $30,000
(whichever is less)

If one event means you need to make a claim on more than one of your Vero car, house and contents policies at the same location, you’ll only need to pay one excess.

One event – one excess More info

Maxi Cover

Yes

Flexi Cover

Yes

We’ll pay up to unspecified items of jewellery up to $3,000 per item (including any pair or set) of unspecified jewellery or watch, up to maximum amount for any one claim of 15% of the sum insured appearing on the schedule (excluding specified items of jewellery and watches) or $15,000, whichever is greater.  If you have jewellery or collections worth more than these limits, you’ll need to add them separately to your policy for an extra premium. 

Jewellery More info

Maxi Cover

YesUp to $3,000 per item
Limited to 15% of the sum insured
or $15,000 for any one claim, whichever is greater

Flexi Cover

YesUp to $3,000 per item
Limited to 15% of the sum insured
or $15,000 for any one claim, whichever is greater

Individual items of photographic, digital and video camera equipment will be covered up to $3,000. If you have equipment worth more than these limits, you’ll need to add them separately to your policy for an extra premium.

Photographic equipment More info

Maxi Cover

YesUp to $3,000

Flexi Cover

YesUp to $3,000

We’ll pay up to $3,000 per item (including e-bikes). If you have bicycles worth more than this, you’ll need to add them separately to your policy for an extra premium.

Bicycles More info

Maxi Cover

YesUp to $3,000

Flexi Cover

YesUp to $3,000

Individual canoes, kayaks, surf boards, surf skis, kite surfers, paddle boards, and windsurfers will be covered up to $3,000. If your canoes, kayaks, surf boards, surf skis, kite surfers, paddle boards, or windsurfers are worth more than this, you’ll need to add them separately to your policy for an extra premium.

Water-based recreational items More info

Maxi Cover

YesUp to $3,000

Flexi Cover

YesUp to $3,000

Any boat that has a market value of less than $3,000 will be covered. If your boat is worth more, let us know – we have other policies that may be better suited to your needs.

Boats up to $3,000 More info

Maxi Cover

YesUp to $3,000

Flexi Cover

YesUp to $3,000

We’ll pay up to $1,000 per item or $3,000 in total for unspecified coins, cards or stamps.  If you have items or collections worth more than these limits, you’ll need to add them separately to your policy for an extra premium.

Coins, cards or stamps More info

Maxi Cover

YesUp to $1,000 per item
or $3,000 total

Flexi Cover

YesUp to $1,000 per item
or $3,000 total

Cover for theft from a securely locked vehicle, fire, collision or overturning of a vehicle while you are moving your contents to a new house. 

Contents in transit while you’re moving house More info

Maxi Cover

YesUp to $10,000

Flexi Cover

YesUp to $10,000

We'll cover your contents for up to 90 days while they are in a secure storage facility for their indemnity value, meaning we would pay enough to repair or replace it to its condition immediately before the damage occurred, taking into account wear and tear. If contents are not stored in a commercial storage facility, then theft is not covered (unless foreable and violent entry into building or room) or unexplained loss or water damage.

Contents in secure storage facilities More info

Maxi Cover

YesUp to $20,000

Flexi Cover

No

We’ll cover the replacement of your keys or locks if the keys are stolen, or illegally duplicated.

Keys and locks More info

Maxi Cover

YesUp to $2,000

Flexi Cover

YesUp to $2,000

We'll cover wedding, Christmas or other special occasion gifts temporarily at your home that belong to someone else.

Gifts More info

Maxi Cover

Yes

Flexi Cover

No

Cover for drones (while they are not in use) up to $3,000. If you have a drone worth more than $3,000, you’ll need to add it separately to your policy for an extra premium.

Drones More info

Maxi Cover

YesUp to $3,000

Flexi Cover

YesUp to $3,000

For full details of cover please download the policy wording


Extra value with Vero

Up to 10% off by combining house and contents

You may be eligible for a discount of up to 10% if you insure two or more qualifying assets through the same brokerage. Please speak to your broker or to us for further details as eligibility criteria apply.

Covering high value items

Contents policies have limits on the amount you can claim on particular items. To make sure your valuable items which have higher values than the limits stated in the policy wording are covered, you’ll need to specify them when talking out the policy. Talk to your adviser about this.

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Assist with claims

 

 

Maxi Cover:

We’ll cover your contents for sudden accidental loss or damage.

Flexi Cover:

Flexi covers 12 specific events only. Please refer to the policy wording for full details.

Sudden accidental loss or damage is optional on our Flexi policy at additional cost.

Maxi Cover:

We'll cover your contents that are lost, damaged or stolen anywhere in New Zealand.

Flexi Cover:

Flexi covers contents at your home only.

Cover anywhere in New Zealand is optional on our Flexi policy at additional cost.

We will cover your legal liability to pay damages or reparation for loss or damage to someone else's property.

We will cover your legal liability to pay damages or reparation for loss or damage to someone else's property.

If the home you live in is uninhabitable due to loss or damage, or if you have been prevented from accessing the home by government or local authorities, we'll pay reasonable additional costs for temporary accommodation (including for your pets).

If the home you live in is uninhabitable due to loss or damage, or if you have been prevented from accessing the home by government or local authorities, we'll pay reasonable additional costs for temporary accommodation (including for your pets).

If one event means you need to make a claim on more than one of your Vero car, house and contents policies at the same location, you’ll only need to pay one excess.

We’ll pay up to unspecified items of jewellery up to $3,000 per item (including any pair or set) of unspecified jewellery or watch, up to maximum amount for any one claim of 15% of the sum insured appearing on the schedule (excluding specified items of jewellery and watches) or $15,000, whichever is greater.  If you have jewellery or collections worth more than these limits, you’ll need to add them separately to your policy for an extra premium. 

Individual items of photographic, digital and video camera equipment will be covered up to $3,000. If you have equipment worth more than these limits, you’ll need to add them separately to your policy for an extra premium.

We’ll pay up to $3,000 per item (including e-bikes). If you have bicycles worth more than this, you’ll need to add them separately to your policy for an extra premium.

Individual canoes, kayaks, surf boards, surf skis, kite surfers, paddle boards, and windsurfers will be covered up to $3,000. If your canoes, kayaks, surf boards, surf skis, kite surfers, paddle boards, or windsurfers are worth more than this, you’ll need to add them separately to your policy for an extra premium.

Any boat that has a market value of less than $3,000 will be covered. If your boat is worth more, let us know – we have other policies that may be better suited to your needs.

We’ll pay up to $1,000 per item or $3,000 in total for unspecified coins, cards or stamps.  If you have items or collections worth more than these limits, you’ll need to add them separately to your policy for an extra premium.

Cover for theft from a securely locked vehicle, fire, collision or overturning of a vehicle while you are moving your contents to a new house. 

We'll cover your contents for up to 90 days while they are in a secure storage facility for their indemnity value, meaning we would pay enough to repair or replace it to its condition immediately before the damage occurred, taking into account wear and tear. If contents are not stored in a commercial storage facility, then theft is not covered (unless foreable and violent entry into building or room) or unexplained loss or water damage.

We’ll cover the replacement of your keys or locks if the keys are stolen, or illegally duplicated.

We'll cover wedding, Christmas or other special occasion gifts temporarily at your home that belong to someone else.

Cover for drones (while they are not in use) up to $3,000. If you have a drone worth more than $3,000, you’ll need to add it separately to your policy for an extra premium.

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Important information

Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter and is not intended to be financial advice. For advice on product suitability, please contact your financial adviser.