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Contents Insurance

Get Contents Insurance that covers you while you travel, lets you choose new-for-old cover and helps if you or a loved one are the victim of cyber-bullying.

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Replacement Value

Feel at ease with our new-for-old cover. We’ll cover the cost associated with the repair or replacement of your things if they’re damaged, lost or stolen. We’ll replace these with the nearest equivalent, in the same condition of the items when they were new.

Automatic Additional Benefits

MAS Contents Insurance

Accidental death

If you are injured and, as a consequence, die as the result of a sudden accidental event, we will pay $20,000 to your estate.

Additional risks

Your policy is extended to cover your personal effects up to $5,000 per item, including items purchased overseas, and up to $50,000 per claim. You are also automatically covered for cash or pre-paid cards up to $1,000 for any one event.

Alternative accommodation

If your main residence is uninhabitable, we will pay up to $50,000 for the additional and reasonable costs for alternative accommodation while the property is being assessed and/or repaired.

Business use items

We'll provide up to $25,000 cover at home, and up to $5,000 cover out and about, for property owned by you that relates to a home-based office or healthcare practice.

Children's contents

We cover your children's contents while they're in full time study and staying at boarding school, in tertiary accommodation or while boarding in a private residence. We'll also cover their belongings stored at your house while they're overseas.

Contents in storage

We cover your contents for accidental loss by restricted perils while temporarily stored in a professional storage facility.

Contents in transit

We cover your contents for accidental loss by restricted perils while being permanently moved to a new permanent address anywhere in New Zealand.

Credit card fraud

We'll provide up to $2,000 for fraudulent debit or credit card use for which you are legally liable and cannot be recovered elsewhere.


We will repay you up to $5,000 if you incur expenses caused by Cyber-bullying. Your no claims bonus will not be affected.

Emergency entry

If emergency services cause damage to your property on entry, we'll cover it up to $10,000.

Emergency evacuation

We'll allow you to claim under the 'Alternative accommodation' benefit when you are denied access to your house due to safety concerns or an emergency.

Emergency recovery

If your property suffers a significant loss, and we believe that it is likely to be a claim greater than $100,000, we'll help out immediately by providing a $5,000 cash benefit to assist you with recovery.

Frozen food

If your freezer accidentally breaks down, loses refrigerant or the power supply is disconnected, we will pay up to $2,000 for any spoilt items.

Hidden gradual damage

In certain circumstances we'll provide up to $5,000 for hidden rot, hidden mildew or hidden gradual deterioration caused by water leaking from an internal source.

Locks and keys

We will cover the reasonable cost of replacing locks and keys (including electronic access cards and transponders and remote door openers) if they have been lost, damaged, stolen or duplicated. You will not have an excess applied and your No Claims Bonus will not be affected.

Moving to a new home

If you're moving house, we'll automatically cover your contents at the new address for up to 30 days on the same terms and conditions as the existing policy.

New for old

Under our Replacement value cover option, if an item cannot be repaired, we will replace it with the nearest equivalent item available that is substantially the same as the damaged item was when new.

Pairs and sets

If we are unable to repair an item of jewellery or artwork that forms part of a pair or set, and we are unable to repair or replace the complete pair, we will, at your request, settle the claim as if the whole pair or set was involved in the loss.

Parents' and Grandparents' contents

We cover your parents' or grandparents' contents automatically under your policy while they're residing in a rest home, hospice or the like.

Personal health items

If your claim is solely for hearing aids, dentures, prescription glasses, contacts, walking sticks and frames or wheelchairs we will not apply an excess and your no claims bonus will not be affected.

Protection costs

We'll provide up to $10,000 for reasonable costs incurred to protect your property from loss, or following a loss, to minimise damage and prevent further loss. We will also pay the reasonable costs incurred to replenish your fire fighting equipment after it has been used to protect your house.

Reduction in value

If we choose to repair or replace any item of jewellery, artwork or musical instrument, we'll pay  for any reduction in current value of the item that results.

You choose your repairer

You can select your own repairer.  If you select a repairer that we approve, we will guarantee the quality of their repairs completed under the claim.

What our Members say

As a mutual our Members are a top priority.

  • “Prices are very competitive with others and their policies are more comprehensive in their coverage - on top of that they put money back into the community.”

    MAS Member

  • “I love that MAS is member owned, there are great benefits to being a member other than just the insurance.”

    MAS Member

  • “MAS has looked after me for 63 years. I MUST be satisfied.”

    MAS Member

  • “My claim was picked up and sorted out immediately, allowing me to purchase a new phone in time for me to continue to work.”

    MAS Member



Protect your possessions today

Get a quote

Prefer to talk to someone?

0800 800 627



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Manage your insurance with us online

Check out your policies, update your details and more in the MAS Member Portal.

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Take out multiple policies and save

Insure your car and your house or contents and you may be eligible for our multi-product discount. Insure your car, house and contents and you may be eligible for our Goldshield discount.

Protecting more than your contents

This webpage is intended as an information guide only and does not form part of the policy document or any contract with MAS. This webpage does not consider your specific financial situation, needs or goals. You can find out more about financial advice at MAS here. Normal underwriting criteria apply for all insurance products. Special conditions and/or excesses may apply to the situations that meets your specific needs.