Home Insurance

Great practical cover, our most popular policy. It will give you the confidence to know you’re covered up to a maximum specified amount should something happen to your home. Automatic additional benefits include cover for alternative accommodation and your legal liability for bodily injury to others.

Good value, our most affordable policy. It offers protection up to a maximum specified amount for that thing that matters most – your home. Cover for loss of rent and landlord’s fixtures and fittings are among the automatic additional benefits this home insurance offers. 

Provides basic insurance for those who own a house. This policy provides cover for certain specified events and offers both replacement value and present value options for your house up to a maximum specified amount.  

We know Meth contamination is a prominent issue so it's best to take precautions and never assume your rental or property is safe. We've prepared this handy guide to help 

We've prepared this handy guide to help keep your home safe.

We've got a nationwide network of highly skilled, approved suppliers who are committed to getting you and your home up and running – find one in your area with our supplier search tool. 

Homes are covered on a total sum insured basis. This means that instead of being insured for an unspecified replacement cost or market value, you are insured for up to a maximum amount that you specify. That amount is your total sum insured.

It is important you ensure that the total sum insured amount on your policy schedule reflects the likely cost of rebuilding your home (if you have a replacement value policy) or likely market value of your home (if you have a present value policy), together with special features, recreational features and/or retaining walls specified on the Policy Schedule. If you set your total sum insured too low, you may not have adequate coverage in the event of a loss to your home. If your sum insured is too high, you may be paying too much premium.

Visit our sum insured page for more information about sum insured and how to calculate yours.

If you have any questions or would like changes to be made, please contact your insurance broker. 

Being required to evacuate your home by an authority in an emergency is stressful, and alternative accommodation during this time can be costly. So, from 1 October 2021, we’re helping cover the cost of alternative accommodation while it is unsafe for you and your family to be in your home, up to the limits outlined in your policy:

• if you’re required to evacuate your principal residence by a local authority or government agency (like a council, Civil Defence, NZ Police or Fire and Emergency NZ)
• because your property is at risk of damage, from an event that would be covered under your policy, and
• where you have an Alternative Accommodation benefit.

Find out more about cover for alternative accommodation costs

From 1 October 2021, where you have a Loss of Rent benefit under your Landlord’s cover policy, this benefit will also provide cover:

• if the property is temporarily vacant (it is habitable and undamaged and ready to be tenanted), and
• where you are unable to get new tenants because an official evacuation order is in place, and
• where we can reasonably expect that your property is at risk of damage, from an event that would be covered by your policy.

Find out what compulsory evacuation means for your Loss of Rent cover.