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What's covered by contents insurance
Having contents insurance means you’re helping to protect your belongings if they’re accidentally damaged, lost or stolen. Here’s a summary of the cover and features available. You can also add optional extras to suit your needs.
For full details of the terms, conditions and exclusions, please see the full policy document – it’s simple and easy to understand.
What's included
- Cover for accidental loss or damage to your contents anywhere in New Zealand, up to your agreed sum insured amount.
- New-for-old replacement cover for many of your contents.
- Some items are covered for their indemnity value – this means the cost of the item when it was new, less an amount for depreciation, wear and tear.
- The ability to specify certain items (like jewellery, bicycles and photographic equipment) for a higher value if you need more cover than the policy limit.
- Up to $10,000 cover for your home office furniture and equipment.
- Up to $3,000 cover for gradual damage to your contents caused by water leaking or overflowing from internal water pipes.
- Up to $2,000 cover to replace your keys and locks if your keys are stolen, lost, or duplicated without your agreement.
- Cover for reasonable extra costs of temporary accommodation for up to 12 months if you own and live at the home, and up to one month if you legally rent the home you live in.
- Legal liability cover up to $2 million for loss or damage to someone else’s property, and up to $1 million for accidental bodily injury.
- If you need to claim under more than one ANZ policy from Vero for loss or damage caused by a single event at the same location, you’ll only pay one excess.
Optional extras
Excess refund
- With Excess refund, you don't pay your agreed excess when you make a claim. This only applies if your claim is higher than your agreed excess amount.
- Other excess charges may still apply.
Moving house extension
- Option to have additional cover for your contents while you’re moving to a new home.
- Cover for accidental loss or damage while in transit if your contents have been professionally packed and transported.
- Cover for loss or damage while in transit due to fire, or the removal vehicle being in an accident or overturning, if you’ve packed your contents yourself and arranged transport with a removal company.
Storage of contents
- Extend the cover available for contents in storage.
- If your contents are in an approved secure storage facility, cover includes loss or damage caused by fire, lightning or explosion, and theft – if there’s been forcible and violent entry to the storage facility.
Get the right sum insured for you
To choose your sum insured, first work out an estimated value of your belongings:
- For common household items, use the CIRCA calculator— which gives estimated values. For each item you own, you can choose average, quality, or prestige.
- For items you want to specify on your policy, e.g. jewellery, it’s a good idea to ask a registered valuer as you might also need to provide a valuation if you have a claim.
Policy limits and specified items
If you wish to insure an item for more than its policy limit, you can often choose to pay an extra premium and specify the item on your policy. This item then becomes a “specified item” with its own policy limit.
MyVero – an easy way to manage your policies
Accessing your insurance information is now easier with Vero’s self-service portal, MyVero.
MyVero makes it simple to find and do what matters. From viewing your policy details and downloading insurance certificates to managing claims, it's all in one spot. For details, see How to manage your insurance online.
Make a claim with Vero
Making a claim can come at a stressful time, so Vero has made the process as easy as possible.
Already have contents insurance through ANZ?
For insurance provided by Vero
Call Vero on 0800 831 123 with any questions about your existing policy.
Have questions about contents insurance through ANZ?
Let us help you out:
- Call ANZ on 0800 269 855
- Visit your nearest ANZ branch
Multi-policy discounts no longer available
As of 1 May 2025, multi-policy discounts are no longer available on ANZ Asset Protector Home, Contents or Motor Vehicle insurance policies.
What else do you need to protect?
Important information
This information is a summary of key features of the insurance. Excesses, terms, conditions, limits and exclusions apply to all policies. For full details of the terms, conditions and exclusions please refer to the policy document ANZ Asset Protector printable version (PDF 1MB), visit any ANZ branch or call 0800 269 296. The provision of cover is subject to the underwriting criteria that apply at the time.
All ANZ Asset Protector policies are underwritten and issued by Vero Insurance New Zealand Limited (Vero) and distributed through ANZ Bank New Zealand Limited (ANZ). Full terms, conditions and exclusions apply. No member of ANZ or its related companies or any other person guarantees Vero or its subsidiaries or any of the products issued by them. ANZ may receive a commission on any policy it arranges.
Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.