Choose the cover that suits you
Why get Everyday Plus Contents Insurance
You’re covered for major events: You’re automatically covered for damage or loss by major events and accidental damage anywhere in NZ
New for old replacement: If your belongings are stolen or damaged beyond repair, in most cases, you’ll get a new replacement
Flexible payment options: You can choose to pay your premiums fortnightly, monthly or annually
You’re covered for legal liability: This covers accidental damage or loss you cause to other people’s property
Before you get cover, it’s important to know how much you’ll need to insure your contents for. There's an evaluation guide to help with that. Contents evaluation guide
| Here’s what you’re covered for* | Maximum benefit per any one event |
| Storage of undamaged contents while we repair your damaged home, if the home is unlivable | Up to 10% of general contents Sum Insured |
| The costs to replace important documents like passports, wills or marriage certificates | Up to $1,000 |
| Your visitors contents that get damaged while they’re at your home | Up to $1,000 |
| Food and medication spoilage | Up to $1,000 |
| Lock replacement | Up to $1,000 |
| Legal liability if you cause loss or damage to other people’s property | Up to $2,000,000 |
| Home office equipment you use for your business | Up to $15,000 |
| Paintings, pictures, art, sculptures, ornaments and art objects | Up to $20,000 per item or $80,000 in total |
| Damage to your belongings as a result of physical assault or death or police investigations into physical assault or death | Up to $20,000 |
| Replacement of repair of burnt out electric motors which are less than 10 years old | Yes |
| Cover for jewellery and watches | Up to $2,500 per item or $10,000 in total, or you can choose your own limit by specifying items |
View the Policy Document (PDF)
Why get Warehouse Everyday Contents Insurance
Before you get cover, it’s important to know how much you’ll need to insure your contents for. There's an evaluation guide to help with that. Contents evaluation guide
| What you’re covered for* | Maximum benefit per any one event |
| Storage of undamaged contents while we repair your damaged home, if the home is unlivable | 10% of general contents Sum Insured |
| The cost to replace important documents like passports, wills or marriage certificates | $500 |
| Your visitors contents that get damaged by one of the insured events while they’re at your home for up to 30 consecutive days | $500 |
| Food and medication spoilage | $500 |
| Lock replacement | $500 |
| Legal liability if you cause loss or damage to other people’s property | $2,000,000 |
| Home office equipment you use for your business | $10,000 |
| Paintings, pictures, art, sculptures, ornaments and art objects | $10,000 per item or $50,000 in total |
Optional add-ons
To extend your contents cover, you can add optional benefits to your policy*. These benefits include:
- Replacement or repair of burnt out electric motors which are less than 10 years old
- Accidental damage at the home extends your cover from the specified insured events to any event not excluded by the policy
- Cover for portable valuables that you generally leave the house with e.g., watch, phone, jewellery and sports and recreational equipment like bicycles. You can choose to specify any of these portable valuables if they are over $1,000 in value each.
View the Policy Document (PDF)
*This is a summary only. Please refer to the Warehouse Everyday Home and Contents policy document for the full terms and conditions, exclusions, excesses and limits that apply to each benefit.
Back to Warehouse Insurance main page
Warehouse Home, Contents, and Landlord Insurance is underwritten by Vero Insurance New Zealand Limited (Vero). Find out about their Financial Strength Rating here. The provision of cover is subject to Vero’s underwriting criteria at the time of application. The Warehouse markets Warehouse Home, Contents, and Landlord Insurance and receives commission and other payments from Vero in respect of the policies sold.