State Home & Contents Insurance
Home and contents insurance provides a safety net that helps alleviate the financial and emotional stress associated with the loss of valuable assets. Canstar reviews State’s home and contents cover.
What’s on offer from State?
State offers one home insurance policy and one contents policy. An insurance option for landlords is also available.
Canstar compares home and contents insurance, to help you find the right policy for you. Click below to see our comparison table, which features qualities including customer service and value for money.
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What’s covered by State’s home insurance?
State has one home insurance policy:
Home Comprehensive
State’s comprehensive 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 covered by State’s contents insurance?
As with its home insurance, State offers one contents insurance policy:
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 (up to $30,000)
- Contents while in storage or transit
- Identity theft (up to $2500)
- Legal liability cover of up to $2 million
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 Insurance website.
