State Insurance New Zealand

State Insurance New Zealand: Reliable Options for Home and Business

State Insurance is a well-established insurance provider in New Zealand with a history dating back over 100 years. Originally government-owned, it is now a division of IAG New Zealand, which is part of Insurance Australia Group. State currently manages around 900,000 policies for over 400,000 Kiwis, earning a reputation for reliable service and convenient digital tools.

What Types of Insurance Does State Offer? (Auto, Home, Business)

State Insurance provides a range of insurance solutions, including:

• Home Insurance: Comprehensive cover for accidental loss or damage, temporary accommodation, gradual damage from leaks, and legal liability up to $2 million. Extras include excess-free glass and matching floor coverings.
• Contents Insurance: Protects personal belongings in and out of the home, offers temporary accommodation, identity theft cover, and legal liability.
• Landlord Insurance: Combined home and contents cover for investment properties, covering damage, loss of rent, and rent default.
• Car Insurance: Offers three levels—comprehensive (accidental damage, theft, fire, towing, legal liability up to $20 million), third party fire & theft, and third party only. Options for extras like roadside rescue and no-excess glass cover.
• Business Insurance: Flexible solutions to protect business premises, assets, and continuity. Includes business interruption, liability, commercial vehicle, and cyber insurance to support small and medium businesses.

Online Tools and Mobile App: Managing Your State Insurance Policy

State Insurance’s mobile app is highly rated and provides users with 24/7 access to their policies:

• Claims: Start, track, and manage claims for home or motor insurance directly in the app.
• Policy Management: View all policies, coverage details, and receive documents via email or post.
• Payments: Make secure payments and get new quotes in minutes.
• Security: Fast login with PIN or Face ID for peace of mind and privacy.

Pros and Cons of Choosing State Insurance

Pros

• Longstanding reputation and financial backing from IAG.
• User-friendly mobile app for policy and claim management.
• Wide range of insurance products, including for small businesses.
• Multi-policy and online-signup discounts, plus FlyBuys points with car insurance.
• Strong customer satisfaction and recognition in industry awards.

Cons

• Some policy options less customizable than boutique insurers.
• Claims and policy changes subject to underwriting acceptance and potential exclusions—always read policy details.
• Customer reviews sometimes mention delays during peak events.

How State Insurance Supports Small Businesses

State Insurance provides robust support to small businesses in New Zealand through a suite of targeted insurance solutions and advisory services. Here’s how it helps small enterprises manage risk and maintain continuity:

• Custom-Tailored Insurance Packages: State offers flexible policies designed to address the unique risks of small businesses. This includes business interruption insurance, commercial property coverage (for both owned and leased premises), material damage, asset protection, commercial vehicle insurance for business fleets or work vehicles, and liability insurance (including public liability, product liability, and employer’s liability). These products are adaptable to industries from tradies and retailers to professionals and service providers.
• Business Interruption Insurance: This coverage ensures that if a disaster or unforeseen event disrupts a small business’s ability to operate, it can receive compensation for lost income and help meet fixed costs like rent and salaries during recovery. This helps small businesses, which often operate with tighter margins, survive unexpected setbacks.
• Liability Protection: State’s policies cover legal costs and damages if a business is held responsible for injuries, property damage, or third-party losses. This includes statutory liability to protect against accidental breaches of New Zealand law, offering peace of mind in a complex regulatory environment.
• Commercial Vehicle and Equipment Cover: For tradespeople, delivery services, and contractors, State provides insurance for business vehicles and mobile equipment, protecting against theft, damage, and accidents—critical for daily business operations.
• Expert Risk Assessments and Support: State Insurance, backed by the scale of IAG New Zealand, offers risk management tools and access to experienced advisers who can help small business owners identify exposures particular to their industry and suggest the right mix of coverage.
• Adapting to Business Growth: As a business grows, State assists owners in reviewing and updating policies, ensuring protection scales with evolving risks and new assets without interruption.
• Digital Tools and Easy Policy Management: State’s online platform and mobile app simplify the process of getting quotes, updating cover, making claims, and managing all policies, saving small business owners valuable time and paperwork.
• Education and Awareness: State helps small businesses understand the real costs of underinsurance, encouraging adequate coverage and offering educational resources to prevent businesses from facing large, uncovered losses.

In summary, State Insurance’s comprehensive support, coupled with digital convenience and advisory services, enables small businesses in New Zealand to focus on growth while confidently managing their risks.

FAQs on Policy Changes and Renewals

Q: Can I manage and renew my State Insurance policies online?
Yes, you can make policy changes, renew, and access documents via the State Insurance website or mobile app.

Q: Are discounts available for bundling multiple policies?
Yes, multi-policy discounts apply—bundle your home, contents, car, and landlord insurances for savings.

Q: How do I update my business insurance as my company grows?
Contact a State Insurance adviser to review and adjust coverage according to new risks, assets, or staff changes.

Q: Are there waiting periods or exclusions I need to be aware of?
Like all insurers, State policies have exclusions—check your policy documents or consult support for details.

Full Contact Details for State Insurance

State Insurance
1 Fanshawe Street, Auckland Central, Auckland 1010, New Zealand
Phone (Within NZ): 0800 80 24 24
International: +64 9 969 6400
Customer Support Email: service@state.co.nz
Claims Email: claims@state.co.nz
Website: state.co.nz

Business Hours:
Monday–Friday: 8am–6pm (NZT)
Saturday: 9am–4pm (NZT)

State Insurance delivers convenient, reliable protection for New Zealand homes, vehicles, and businesses—making it a strong choice for expats, business owners, and anyone seeking integrated digital insurance solutions backed by a trusted brand.

Read more:

NEW ZEALAND

Car Insurance in New Zealand – Car Insurance in New Zealand

Health Insurance in New Zealand – Health Insurance in New Zealand

Home and Contents Insurance in New Zealand – Home Insurance in New Zealand

Life Insurance in New Zealand – Life Insurance in New Zealand

Travel Insurance New Zealand – Travel Insurance New Zealand