Benefits

Tick Icon Hearing aids, glasses or dentures

Up to $5,000, or higher agreed value for loss of hearing aids, prescription glasses and dentures.

Tick Icon Liability

Cover for your legal liability for injury to others and loss of their property.

Tick Icon Matching pairs and sets

If we can’t repair or replace the damaged part of a pair or set, we will replace the entire set (excluding collections).

Tick Icon Present day value for computers and cellphones

If you choose not to repair or replace these items, or if they're more than 3 years old we will pay present day value of up to $5,000.


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FMG’s Household Contents policy covers you and your family’s personal contents at home, and while you’re out and about anywhere in New Zealand.

This policy covers your personal effects if they’re damaged or destroyed, as well as covers your legal liability, including you as a tenant, if you accidentally damage someone else’s property, or injure somebody.

In the event FMG agrees your house cannot be lived in following a loss, we will pay up to $30,000 for temporary accommodation costs including moving and storing your contents and boarding for your cats or dogs that normally stay with you at the house.

If all your contents are destroyed, we’ll make a $5,000 advance payment within 48 hours of accepting your claim, which will be deducted from the final claim settlement amount.


Optional extras

You can purchase optional benefits for even more comprehensive cover.

Lifestyle block contents 
Cover for up to $5,000 for accidental loss for contents related to your lifestyle block operations, including machinery and equipment, stores and harvested product.


To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

For more information on our most recent policy changes, effective from 1 November 2021 click here.

*This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

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