https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Tue, 05 May 2026 18:02:56 +0000 Sun, 20 Jul 2008 18:11:25 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 12.05 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=19275 https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444722&title=contents-insurance#444722 Author: Sarah Beth
Subject: 19275
Posted: 20 July 2008 at 6:11pm

$70k here and have to say most NZers are under insured. We did a study at work the other day and found the majority of contents policies were dramatically underinsured and while people say they can't afford it, it would be worse should you lose everthing!

]]> Sun, 20 Jul 2008 18:11:25 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444722&title=contents-insurance#444722 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444720&title=contents-insurance#444720 Author: Mum2L
Subject: 19275
Posted: 20 July 2008 at 6:03pm

.Mel wrote: I've actually taken photos of everything and have them saved onto a stick which is at mum and dads, each time we get a new ticket item I take a photo and send it to mum and she saves it on to the stick. (the photos are of the item and then of the serial code).

I've done the same as well (except I have all the serial numbers and stuff saved on my university drive and the one at work, plus a copy in my yahoo email account.

It pays to do so, as when you report something stolen with those details, makes it very hard for them to sell it at a place like Cash Converters!]]> Sun, 20 Jul 2008 18:03:14 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444720&title=contents-insurance#444720 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444718&title=contents-insurance#444718 Author: Mum2L
Subject: 19275
Posted: 20 July 2008 at 6:00pm

minik8e wrote: lady_aset - do you own your home? I know it sounds like a weird question, but there is a reason behind my madness

No, I don't. Would be nice, but the bank said with DH and I's income and deposit, we can only get a mortgage of $270K!! Not much in a city like Wellington.]]> Sun, 20 Jul 2008 18:00:38 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444718&title=contents-insurance#444718 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444660&title=contents-insurance#444660 Author: pikelets
Subject: 19275
Posted: 20 July 2008 at 4:40pm

The average policy in NZ is around $50k but insurance companies think it should be around $70k - most people are underinsured.

I put mine up from $40k to $60k and it only cost about $2 if that per fortnight.

When insuring contents you have to work out if you lost EVERYTHING in a fire for example - how much that would be. Will be more than you think. ]]> Sun, 20 Jul 2008 16:40:38 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444660&title=contents-insurance#444660 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444209&title=contents-insurance#444209 Author: .Mel
Subject: 19275
Posted: 19 July 2008 at 8:49pm

Kelpa wrote: .Mel WOW..you are super super super organised :)

When I was flatting (before kids) we got burgled and they took pretty much everything, I lost a lot of stuff, so yeah very careful this time around.]]> Sat, 19 Jul 2008 20:49:56 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444209&title=contents-insurance#444209 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444205&title=contents-insurance#444205 Author: Kelpa
Subject: 19275
Posted: 19 July 2008 at 8:44pm

.Mel

WOW..you are super super super organised :)]]> Sat, 19 Jul 2008 20:44:50 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444205&title=contents-insurance#444205 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444089&title=contents-insurance#444089 Author: .Mel
Subject: 19275
Posted: 19 July 2008 at 5:48pm

Ours is $60K that doesn't include my wedding and eternity ring... they are insured separately.

I've actually taken photos of everything and have them saved onto a stick which is at mum and dads, each time we get a new ticket item I take a photo and send it to mum and she saves it on to the stick. (the photos are of the item and then of the serial code).]]> Sat, 19 Jul 2008 17:48:55 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444089&title=contents-insurance#444089 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444062&title=contents-insurance#444062 Author: minik8e
Subject: 19275
Posted: 19 July 2008 at 5:16pm

lady_aset - do you own your home? I know it sounds like a weird question, but there is a reason behind my madness ]]> Sat, 19 Jul 2008 17:16:35 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444062&title=contents-insurance#444062 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444043&title=contents-insurance#444043 Author: busymum
Subject: 19275
Posted: 19 July 2008 at 4:18pm

Last time ours was reviewed we found out (to our surprise, because we must have forgotten) that ours was only at $40K - which was ok when we had just got married... but maybe only until we opened the presents!!!

We went thru all the rooms of our house and wrote everything down. It was a numbing task and finally decided on $100K insurance. That's when we had a boarder, so 3 adults and 2-3 preschoolers. in a small but 5 bdrm house LOL]]> Sat, 19 Jul 2008 16:18:47 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444043&title=contents-insurance#444043 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444029&title=contents-insurance#444029 Author: lizzle
Subject: 19275
Posted: 19 July 2008 at 3:47pm

72K. when we did our estimate, i found out weird things - like jake has a plastic animal collection valued at over$300.]]> Sat, 19 Jul 2008 15:47:28 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444029&title=contents-insurance#444029 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444025&title=contents-insurance#444025 Author: mrsturtle
Subject: 19275
Posted: 19 July 2008 at 3:38pm

Ours is 61k we put it up from 50k when i ran over my handbag and found out that we only got value replacement on a couple of things event though they were new but with this new policy we get full replacement on almost everything ]]> Sat, 19 Jul 2008 15:38:50 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444025&title=contents-insurance#444025 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444014&title=contents-insurance#444014 Author: Snappy
Subject: 19275
Posted: 19 July 2008 at 3:17pm

We have just put our contents up from 40K - 86K and its only an extra $2 a fortnight. ]]> Sat, 19 Jul 2008 15:17:41 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444014&title=contents-insurance#444014 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444002&title=contents-insurance#444002 Author: cuppatea
Subject: 19275
Posted: 19 July 2008 at 3:05pm

Ours is $67K for some strange reason.]]> Sat, 19 Jul 2008 15:05:06 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=444002&title=contents-insurance#444002 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443995&title=contents-insurance#443995 Author: Mum2L
Subject: 19275
Posted: 19 July 2008 at 2:54pm

$33K for DH and I. We really don't have a lot of high value items in the house, apart from our TV and laptops. The insurance company weren't too keen to have a low value contents insurance, but I said I walked around the house and worked out the value of everything, which came to $30K.

We originally started off with $13K, but over the period of living together for 3 years, we recently just put it up to $33K. I revalue everything on a yearly basis, when the policy is due to be renewed.]]> Sat, 19 Jul 2008 14:54:33 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443995&title=contents-insurance#443995 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443954&title=contents-insurance#443954 Author: AliaDawn
Subject: 19275
Posted: 19 July 2008 at 1:33pm

Ours is at 40k, and that's a couple of poor students in a 2bed flat... will probably have to go up in a few years time.]]> Sat, 19 Jul 2008 13:33:07 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443954&title=contents-insurance#443954 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443931&title=contents-insurance#443931 Author: KH25
Subject: 19275
Posted: 19 July 2008 at 12:38pm

Oh cool thanks! Ours is at $40,000 at the moment aswell which I thought was super low. We took out that policy when DH and I first moved in with each other - 2 bed flat with all 2nd hand furniture etc. We only have a couple of items listed seperately. Might see how much of an increase in premium it is to go up to maybe $70k or so ]]> Sat, 19 Jul 2008 12:38:15 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443931&title=contents-insurance#443931 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443926&title=contents-insurance#443926 Author: jack_&_charli
Subject: 19275
Posted: 19 July 2008 at 12:32pm

ours is around 50K i think......but am thinking of putting it up to 60K now that we have 2 kids, more toys and a big tv ]]> Sat, 19 Jul 2008 12:32:11 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443926&title=contents-insurance#443926 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443914&title=contents-insurance#443914 Author: kebakat
Subject: 19275
Posted: 19 July 2008 at 12:23pm

Our contents insurance is waaay too low but we aren't going to put it up until we are in a better position financially. Ours is currently $40k but it really needs to be up to more like $70k I think]]> Sat, 19 Jul 2008 12:23:14 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443914&title=contents-insurance#443914 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443890&title=contents-insurance#443890 Author: caliandjack
Subject: 19275
Posted: 19 July 2008 at 11:59am

Our contents is around 50K, and there are a few items like my engagement ring which are listed as separate items.
House contents is what ever AMI worked it out as based on the floor area of our house, we have deadbolts and locks on the windows but no alarm.]]> Sat, 19 Jul 2008 11:59:08 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443890&title=contents-insurance#443890 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443883&title=contents-insurance#443883 Author: minik8e
Subject: 19275
Posted: 19 July 2008 at 11:52am

I guess it depends - there are calculation sheets you can get to do an estimation of what your contents are worth. We have $40,000 - have a 2 bdrm + conservatory house. It is slightly low - should be around $60K I think, which we will increase it to once our income goes up slightly.

As for an average house having contents of $139K - I work in insurance and we have very few policies come through with contents over $80-90K. The ones that are have a LOT of specified items - ie. antique furniture, expensive jewellery (I did one a few months ago where there was $40K of jewellery alone ) or have HUGE houses - 250m2 plus that have been extensively renovated (brand new carpet/curtains etc).

Just my 2c worth ]]> Sat, 19 Jul 2008 11:52:16 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443883&title=contents-insurance#443883 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443875&title=contents-insurance#443875 Author: KH25
Subject: 19275
Posted: 19 July 2008 at 11:36am

I was just wondering what amount of contents insurance you have (if you don't mind sharing). I received a letter from my insurer saying the average 3 bed house should be insured for $139,000 and they are concerned our cover is too low - which I know it is. Thanks ]]> Sat, 19 Jul 2008 11:36:28 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=19275&PID=443875&title=contents-insurance#443875