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.

Making a claim

If you need to make a claim, or have a question about a claim, contact your broker or adviser, or you can call us at the Vero Claims Centre—we’re here to help.

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Keep in touch

Remember to keep your details up-to-date. If you need to check or update your Contents Insurance contact your broker, adviser or insurance provider.

Our Contents policies include


Alternative accommodation

Reasonable costs for temporary accommodation if your home is uninhabitable due to damage or you’ve been prevented from accessing it by government or local authorities.


Change of Situation and Transit Cover

We understand it can take time to move home. We’ll cover your contents at both your old house and new house for up to 30 days, provided you tell us within the 30 days. We will also provide some cover in case your contents are damaged due to fire, theft or collision, while in transit.


Overseas travel

New Zealanders like to travel. We cover some of your contents anywhere in Australia and the Pacific Islands provided that you’re not overseas for longer than 30 days and they’re not covered by travel insurance.


Liability cover

We will cover you for your legal liability to pay damages and reparation for accidental bodily injury or loss to someone else’s property.

Maxi Contents

Most people choose our Maxi Contents as it offers replacement cover on almost all of your contents. Don’t forget to specify any valuable items such as jewellery or specialist equipment. Maxi Contents also includes cover for:

  • Contents in professional storage facilities
  • Gradual damage
  • Specified items
  • Change of locks if keys are stolen
  • Unauthorised use of credit and debit cards
  • Misuse of mobile/smart phones
  • Contents while at boarding school or tertiary accommodation
  • Vehicle accessories within a work vehicle
  • Property used for trade, professional or business use

Flexi Contents

A more affordable option that provides cover for specific events at the home including natural disaster, fire, theft or flooding. You can upgrade your Flexi Contents to add extra cover where you need it. Flexi Contents also includes cover for:

  • Specified items
  • Change of locks if keys are stolen
  • Occupier’s and Personal Liabilities
  • Authorities Damage
  • Unauthorised use of credit and debit cards
  • Property used for trade, professional or business use

Extra value with Vero

10% Extra cover for no extra cost

With our Maxi House cover, you may qualify for SumExtra. This gives you up to 10% more cover than your sum insured value in a natural disaster (e.g. earthquake, tsunami), and full repair or replacement for other insured events (e.g. flood, fire).

SumExtra details


Up to 10% off by combining house and contents

When insuring your most valuable assets, it's worth getting expert advice from an insurance broker or adviser. They will work with you closely to understand your needs, identify risks that are specific to you and advise you on the right cover.

Get insured with Vero

For expert advice on how Vero can help you with your insurance needs, talk to a broker or adviser. Our locator helps you find a broker or adviser near you.

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We’re for New Zealand

We’re here for New Zealanders whether it’s for general or specialist cover, we’re here to make insurance mean more for our customers. That means we do what really matters to make insurance more useful and more relevant to help you feel more confident.

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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.