Contents Insurance Calculator

A guide to help you calculate and check your home contents cover.

This calculator tool provides you with a summary list of common household items and their values, based on an average and above average three bedroom New Zealand home. Simply enter the value of your household items and the tool will calculate the total value of your home contents, helping you to determine the level of contents cover needed. Remember, it's always best to check your level of contents cover each year as we all upgrade or acquire new things, so it's important to ensure your level of cover is adequate and kept up to date.

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Contents Insurance Calculator

Item
Average value ($)
High quality value ($)
Your value ($)

Antique Furniture
$1,200
$2,200

Bookcase, Shelves, Shelving Units
$1,750
$4,000

Books (Hardcover, softcover, cookbooks)
$1,000
$2,000

Buffet Table/Drinks Cabinets
$1,200
$3,000

Coffee Table
$700
$1,500

Cushions
$300
$500

Dining Table & Chairs
$2,000
$7,000

DVD Player, Game Consoles, Games
$1,000
$2,000

Entertainment Unit
$750
$2,500

Lounge Chairs
$1,500
$3,000

Lounge Suite
$3,000
$5,000

Highchair
$250
$500

Silverware, Crystal, Special Dining Set
$1,000
$3,000

Stereo & Audio Equipment
$1,000
$5,000

Television
$1,000
$5,000

Wine/Alcohol
$300
$800

Total
$17,950
$47,000
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Heaters & Fans
$500
$1,000

Dehumidifier
$600
$750

Artwork & Ornaments
$800
$4,000

Indoor Pots & Plants
$500
$2,000

Lamps & Light Fittings
$1,000
$2,000

Rugs
$300
$1,000

Curtains & Blinds
$3,000
$10,000

Mirrors
$300
$700

Photo Album & Photo Frames
$750
$3,000

Total
$7,750
$24,450
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Bed Frame/Mattress
$1,500
$5,000

Bed Linen, Pillows & Blankets
$500
$1,500

Television & Audio
$500
$1,000

Baby Furniture
$1,200
$3,000

Bookcase & Books
$1,000
$1,500

Dressers & Misc Furniture
$500
$1,500

Bedside Tables
$250
$750

Total
$5,450
$14,250
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Bed Frame/Mattress
$1,500
$5,000

Bed Linen, Pillows & Blankets
$500
$1,500

Television & Audio
$500
$1,000

Baby Furniture
$1,200
$3,000

Bookcase & Books
$1,000
$1,500

Dressers & Misc Furniture
$500
$1,500

Bedside Tables
$250
$750

Total
$5,450
$14,250
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Bed Frame/Mattress
$1,500
$5,000

Bed Linen, Pillows & Blankets
$500
$1,500

Television & Audio
$500
$1,000

Baby Furniture
$1,200
$3,000

Bookcase & Books
$1,000
$1,500

Dressers & Misc Furniture
$500
$1,500

Bedside Tables
$250
$750

Total
$5,450
$14,250
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Fridge
$1,200
$2,500

Freezer
$1,000
$2,000

Dishwasher
$1,200
$2,000

Microwave
$300
$1,000

Jug/Kettle
$80
$250

Toaster/Sandwich Press
$150
$300

Coffee Maker, Grinder & Accessories
$700
$1,500

Electric Frying Pans
$150
$300

Food Processor/Mixer/Blender
$150
$750

Mini Oven/Griller
$200
$400

Slow Cooker/Pressure Cooker
$100
$250

Deep Fryer/Air Fryer
$80
$200

Pots & Pans
$400
$1,000

Mixing Bowls & Tools
$200
$500

Crockery & Cutlery
$1,000
$2,200

Glassware & Plasticware
$250
$1,000

Food (frozen, fridge, pantry)
$500
$1,000

Servingware (platters, bowls, etc)
$100
$300

Tea & Coffee Accessories (teapot, frenchpress, etc)
$100
$400

Total
$7,860
$17,850
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Console Table
$300
$500

Computer/Laptop
$1,000
$2,000

Software & Computer Accessories
$300
$700

Linen Cupboard Supplies
$1,500
$3,000

Office Desk & Chair
$500
$1,000

Bookshelves, Filing Cabinets & Contents
$350
$700

Supplementary Items in Storage
$300
$700

Attic/Basement Items in Storage
$500
$1,000

Suitcases & Luggage
$800
$1,500

Total
$5,550
$11,100
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Toiletries/Cosmetics
$650
$1,600

Hairdryer/Curler/Straightener
$300
$750

Electric Razor
$100
$200

Towels
$300
$450

Bathroom Scales
$100
$150

First Aid/Medicines
$200
$330

Washing Machine
$1,500
$2,000

Dryer
$800
$1,000

Iron/Ironing Board/Clothes Basket
$150
$300

Linen Cupboard Contents
$2,000
$3,000

Brooms & Mops
$100
$150

Vacuum Cleaner
$400
$800

Cleaning Equipment/Materials
$200
$300

Total
$6,800
$11,030
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Chest Freezer/Spare Refrigeration
$300
$750

Garden Tools/Hose
$500
$1,000

Ladder(s)
$150
$500

Lawnmower
$1,000
$2,500

Power Tools
$1,000
$3,000

Hand Tools
$250
$1,000

Wheelbarrow
$200
$400

Camping Equipment
$1,000
$4,000

Chilly Bins
$250
$500

Pots & Planters
$500
$1,000

Outdoor Heater
$500
$2,000

Outdoor Furniture
$1,000
$3,000

BBQ
$500
$3,500

Sporting Equipment*
$500
$3,000

Bicycles*, Scooters, Skateboards
$1,000
$3,000

Spa/Unfixed Swimming Pool
$1,000
$10,000

Total
$9,650
$39,150
$0

Item
Average value ($)
High quality value ($)
Your value ($)

Cellphones (per person)
$750
$2,000

Tablets/Portable Consoles (per person)
$1,000
$2,000

Headphones
$100
$500

Clothing: Adult
$6,000
$16,000

Clothing: Children (per child)
$4,000
$7,000

Handbags/Purses/Briefcases
$600
$2,000

Glasses/Contact Lenses/Sunglasses
$750
$2,000

Hearing Aids/Dentures
$1,500
$3,000

Jewellery & Watches*
$4,500
$8,000

Prams/Child Accessories
$1,000
$3,000

Toys
$300
$600

Hobby Equipment
$500
$2,000

Collections (Stamp, Coin, Card etc)*
$1,000
$2,000

Musical Instruments
$500
$2,000

Photography Equipment*
$1,500
$3,000

Total
$24,000
$55,100
$0

Your grand total:                  $95,910              $248,430

*Item may need to be specified, please refer to your policy wording for limits
The values listed are indicative only. Make sure you assess your own situation when completing this contents checklist.

This calculator is a guide for information purposes only to help you calculate the value of your home contents. Ensure you read your policy as the cover and features that may be available may differ. This calculator provides an estimate only based on average values, and the true value of your contents will vary depending on your circumstances. It does not constitute a recommendation or opinion in relation to taking out or replacing an insurance policy. It is not financial advice. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure. ANZ Bank New Zealand Limited or any of its subsidiaries accepts no responsibility for the accuracy of any information in, or results derived from, or any reliance you place on, the calculator.