State Home & Contents Insurance
Home and contents insurance can act as a safety net when your home is damaged or your belongings are lost, stolen or damaged. However, there is no one-size-fits all when it comes to polices. Here’s Canstar’s guide to State’s home and contents insurance offerings.
What’s on offer from State?
State offers two home insurance policies, along with two different contents insurance policies. You can also combine home with contents insurance and save up to 15% discount.
Click below to see how State stacks up against other home and contents insurance providers.
Compare Home & Contents Insurance with Canstar
What’s covered by State’s home insurance?
State offers two home insurance policies, Comprehensive and the cheaper Essentials:
Home Comprehensive
State’s comprehensive policy covers:
- Accidental loss or damage, up to the Home Sum Insured amount specified on your policy
- Up to $20,000 for temporary accommodation
- $250 excess on windows and curtains
- Up to $2500 for hidden damage, for example leaking plumbing
- Replacement keys and locks, up to $500
- Personal liability for damage to other property
- Intentional damage by fire or explosion from somebody living in your home
Home Essentials
State’s Essentials policy covers:
- Your home for its present value, for loss or damage caused by a range of events, including fire, earthquake, storm or flood, landslip, theft from forced entry, vandalism and the impact of a vehicle
- Intentional damage by a resident
- Personal liability for damage to other property
What’s covered by State’s contents insurance?
As with its home insurance, State offers two contents insurance policies, Comprehensive and the cheaper Essentials:
Contents Comprehensive
State’s comprehensive policy covers:
- Accidental loss or damage, both in and out of home
- Repair or replacement cover for most items
- Temporary accommodation costs
- Contents while in storage or transit
- Hidden gradual damage
- Legal liability cover up to $1 million
- Home office contents up to $7500
Contents Essentials
State’s Essentials policy covers:
- Belongings in their current condition
- Sudden loss due to specified events
- Legal liability cover up to $1 million
- Intentional damage by a resident
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.
