Home Insurance
Protecting Your Biggest Investment
Your home is more than just bricks, timber, and cladding. It’s where life happens. If disaster strikes, whether from fire, flood, storm, or accidental damage, Home Insurance helps you recover quickly, repair or rebuild, and protect your financial wellbeing. We’ll help tailor a policy that fits your property and your peace of mind.
What Does Home Insurance Typically Cover?
- Rebuilding or repair costs following fire, storm, flood, or earthquake
- Accidental damage to the structure of your home
- Demolition and site clearance costs
- Temporary accommodation while your home is being repaired
- Damage to driveways, fences, and retaining walls
- Optional cover for landlord protection or Airbnb use
- Legal liability cover if someone is injured at your property
Most policies are based on a specified sum insured. We can help estimate the right amount to avoid underinsurance.
What’s Not Usually Covered?
- Gradual damage like long-term leaks or mould
- Pre-existing damage or wear and tear
- Unoccupied properties left empty long-term
- Maintenance-related issues or poor workmanship
Who Needs Home Insurance?
- Homeowners (whether mortgaged or mortgage-free)
- First-home buyers needing cover for loan approval
- Property investors (with optional landlord extensions)
- Anyone who’d struggle to pay for a rebuild out of pocket
Related Cover to Consider
You might also need Contents Insurance for what’s inside your home.
Earthquake Cover is included in most NZ policies via EQC.