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Whether you're renting or own your own home, our contents insurance covers what matters most to you.
Unsure how much your contents are really worth? Our contents valuation guide will help you work out how much contents cover you need.
We're thrilled to have won Canstar's Car Insurer of the Year and Outstanding Value Car Insurance 2021-2022 in New Zealand, and General Insurer of the Year 2022 at the NZ Insurance Business Awards.
Save up to 20% with our multi-policy discount
Buy multiple car, house, contents policies and save up to 20%. Ts&Cs apply.
Damaged contents replaced with new
If something happens we’ll replace or repair your contents up to the limits in your policy including your sum insured.
Natural disaster damage
If your contents are damaged in a natural disaster such as an earthquake, flood or cyclone, we'll repair or replace them.
Dedicated to the Pacific
Starting in New Zealand, Tower now cares for seven other countries across the Pacific too - with local teams ready to help when you need it.
Lost or stolen keys? Replaced excess free
We'll replace keys or remotes if they're lost, stolen or you think they're been illegally duplicated, excess free for your first claim.
Our contents insurance policies include
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Contents insurance FAQs
No. Contents insurance only covers your items while you're travelling within Tonga. If you're heading overseas, take out travel insurance.
Our Plus contents insurance policy does cover your home office, up to TOP5,000 at your house.
This cover applies to any office furniture and equipment primarily used at home to earn income. This includes hardware and purchased software.
For more detailed information, check the Plus contents policies or call us on +676 24 066.
Don't worry. All of our contents policies cover mobile phones with up to TOP1,000 covered on our Plus policy and up to TOP500 on our Standard policy.
If you need more cover for your phone, just let us know and we'll increase the limit for that item.
If your phone needs repairing, we have a network of skilled technicians who can handle this for you.
Yes. Our contents policies cover your prescription glasses and sunglasses, contacts, hearing aids and removable dentures. We'll repair or replace them if they are damaged, lost or stolen.
We know how important these items can be to your quality of life, so we strive to get these sorted as soon as possible.
If you need your contents insurance policy to include cyclone cover, you must provide us with a cyclone certificate for your house.
Cyclone certificates should be issued by an engineer we have approved. If you choose to get a cyclone certificate from an engineer that is not on our approved list, we may not be able to accept it. Check our list of approved engineers.
It can be difficult to know how much any specific item is worth, especially after you've owned it for a few years. As a rule of thumb, consider how much it would cost to replace your contents. Not just your electronics and jewellery, but your clothing and kitchen utensils.
To help you estimate this cost, look at prices for similar items. Be aware of sales while you do this. To be safe, always use the standard retail price.
Damage to your contents through daily life, ageing and normal wear and tear is not covered.
We will cover contents of the named policy holders and their family members who live at the same address as you. If you have flatmates, boarders or guests they will need to have their own contents policy for any items that belong to them.
Important information: Tower contents policies are underwritten by National Pacific Insurance (Tonga) Limited trading as Tower Insurance.