Outstanding Value Winner
State is a winner of one of Canstar's 2025 Outstanding Value Home & Contents Insurance Awards. State earns Canstar's accolade due to the great levels of cover offered by its home and contents insurance products and their competitive pricing. Click here for more information.
What's on offer from State insurance?
State offers one comprehensive home insurance policy and one comprehensive contents policy. An insurance option for landlords is also available.
What's on offer from State's home insurance?
State's comprehensive home policy covers:
- Accidental loss or damage, up to the Home Sum Insured amount specified on your policy
- Temporary accommodation (up to $30,000)
- Hidden gradual damage from leaking internal plumbing, or similar (up to $3000)
- Retaining walls (up to $50,000)
- Excess-free replacement keys and locks
- Legal liability cover of up to $2 million
- Stress payment ($2000)
Optional extras include excess-free glass and bathroom fixtures and matching floor coverings replacement.
What's on offer from State's contents insurance?
State's comprehensive contents policy covers:
- Accidental loss or damage, both in and out of home
- Repair or replacement cover for most items
- Temporary accommodation costs (up to $30,000)
- Contents while in storage or transit
- Identity theft (up to $2500)
- Legal liability cover of up to $2 million
What's on offer from State's landlord's home and contents comprehensive cover
State also offers a combined landlord's home and contents insurance option, protecting your investment property. This policy includes:
- Repairing or rebuilding to as close as possible to new in the event of sudden and accidental loss or damage
- Contents cover
- Loss of rent (up to $30,000)
- Rent default (up to 15 weeks' rent)
About State
State insurance has been in business in NZ for over 100 years, and at one point was government owned. Since its sale in 2011, it's been a division of IAG New Zealand Limited, which in turn is a subsidiary of Insurance Australia Group. Currently State manages around 900,000 policies for over 400,000 Kiwis.
This is only a summary of key benefits. Application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please refer to the State website.