Sum insured cover set at a realistic rebuild figure
House Insurance in New Zealand
New Zealand house policies are sum insured, so the number on your schedule is the most you can ever receive. We help you set it properly and place cover with insurers who pay claims well.
Rebuild figure done right
We point you to calculators and valuers so your sum insured reflects today's build costs, not the 2015 figure.
Natural disaster included
Every house policy includes the Natural Hazards Cover levy, with insurer cover above the cap.
Temporary accommodation
Cover for somewhere to live while your home is repaired or rebuilt.
The detail
What house insurance covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Fire, storm, flood and accidental damage
- Earthquake and other natural hazards (NHC plus insurer top-up)
- Driveways, fences, decks and garden sheds
- Temporary accommodation while the home is uninhabitable
- Owner's liability for injury or damage to others
Worth adding
- Excess buy-down
- Cover during a renovation
- Hidden gradual damage extension
- Holiday home or bach cover
Commonly excluded
- Gradual damage such as long-term leaks, rot and mould
- Maintenance and wear and tear
- Homes left unoccupied beyond the policy limit without notice
- Deliberate damage by the homeowner
Questions
House Insurance FAQs
Ready for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.