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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
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Most customers choose Cover Option - Maxi, 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 5 years old and clothing or books regardless of age) will be covered for indemnity (or 'as is') cover.
Cover Option - Flexi 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 hazards, 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.
For full details of cover please download the policy wording
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.
You could be surprised what it could add up to!
This handy Contents Calculator is an independent online tool that can help you quickly and easily calculate how much it might cost to replace your household contents.
To get a quote for Vero insurance, contact your local broker or adviser.
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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 accidental bodily injury.
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 up to $3,000. If you need cover for a drone worth more than $3,000, you’ll need to add it separately to your policy for an extra premium.
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.
