About initio

Initio Insurance knows New Zealand houses and landlord insurance – it’s all we do. Whether it’s a rental property, holiday home or your main residence, we’ve got the perfect insurance cover for you.

We provide everything you need online – instant quotes, easy cover, and efficient claims. We know your time is valuable, so we get straight to the point.

Why choose initio?

We're specialists

We’re different because we only provide cover for houses. This means that we understand what matters to you, and you have the important cover you need as a property owner. Find out more about the coverage options here.

We save you money

We run the entire insurance process online – including quotes, payments, and claims. This means our business costs are lower; savings which we then pass on to you.

We love being online, but you can always contact us by phone or email. Even better, we don’t send your call to a faceless claim centre; your call will be taken by one of our highly experienced team.

We're secure

Initio is underwritten by Lumley, a business division of IAG New Zealand Limited, which means if the unthinkable happens and disaster strikes, we’ll always have you covered. Read more about IAG’s financial strength here.

We keep you updated

When you submit a claim, we will confirm the details and keep you informed of its progress. The only real value you see from your insurance cover is at claim time, and that’s why we make it easy.

We send you email reminders when your policy is due for renewal, so you have plenty of time to login to your dashboard and renew you policy before it expires. At any time you can contact the initio team about coverage, a change in circumstances or any other queries.

How likely are our customers to recommend initio?

By Coral,
Nov 20, 2018
Easy to do online, great value as well and beneficial having a dashboard too.
By Graham,
Nov 20, 2018
Simple online process to insure or re-insure
By Stephen,
Nov 19, 2018
So far so good. Very easy process and great pricing.
By Michael,
Nov 18, 2018
By Steve,
Nov 18, 2018
By Patricia,
Nov 18, 2018
Easy to do online
By Sabine,
Nov 18, 2018
It is great value for money and has all the calculators to find out the right replacement value in place. The format is easy to follow. It does not take a lot of time to set up the insurance.
By Roger,
Nov 16, 2018
Fast, easy cost efficient online insurance with simple to understand cover that provides a benchmark year after year for the minimum standard of policy coverage and service delivery all property investors should be able to expect from their insurer. Excellent product, service & concept. We recommend all our clients consider initio.
By Lynda,
Nov 15, 2018
You have recently paid a claim for me - easily and without any hassle
By Glenn,
Nov 15, 2018
this is insurance made easy
By Michelle,
Nov 13, 2018
By Simon,
Nov 12, 2018
Cheap kiwi made insurance for kiwis by kiwis for rental properties
By Andrew,
Nov 10, 2018
By Michael,
Nov 9, 2018
Easy on-line management of insurance cover and claims. Have had two claims over a number of years and been very happy with how these were handled.
By Garth,
Nov 6, 2018
I like online site, the dashboard, and the ability to play with the cover to see how it affects the premium. also no need to spend 20 minutes on the phone every time. as I have over 40 policies, i need to have a fast contact point..
By Abraham,
Nov 6, 2018
Easy to deal with. Easy to renew. Great service.
By Ross James,
Nov 2, 2018
By Geoffrey,
Nov 1, 2018
By Anthony,
Oct 28, 2018
Competitive Premiums.
By Glen & Melanie,
Oct 21, 2018
Ease of working through the process.
By Geoffrey,
Oct 19, 2018
Excellent all round service.
By Wayne,
Oct 16, 2018
I would like to talk to some rather than 'chat' via 'leave a message'. Insurance companies have a reputation of avoiding claims despite the best efforts of the insured to provided the 'necessary' information.
By Barry,
Oct 16, 2018
I am a huge fan of Initio because your policies are great, your service is impeccable and the renewal process or adding a new policy is so simple. I recommend you on a regular basis without hesitation.
By Roslynne,
Oct 16, 2018
Competative premiums and ease of use online.
By Ani,
Oct 15, 2018
Fast & easy
By Claire,
Oct 14, 2018
The two claims i have had with Initio have been dealt with efficiently and professionally and a great outcome under a stressful situation.
By Peter,
Oct 10, 2018
By Hayley-Jane,
Oct 8, 2018
Easy. Very competitive premiums for better cover.
By Trudy,
Oct 8, 2018
Price competitive. Easy website. Good communication. More peeple should know about initio.
By Farideh,
Oct 3, 2018
Ease of completing policy cover online, price to insure
By Anthony,
Oct 2, 2018
Competitive Premiums and convenient online system.
By Mark,
Sep 27, 2018
Economical, easy to check details online, easy people to deal with
By Graham,
Sep 23, 2018
quick and simple - cost seems very competitive still - good for multiple properties as can monitor on dashboard
By Catherine,
Sep 23, 2018
By Kevin and Julie,
Sep 23, 2018
Easy so far.
By Lindsay,
Sep 19, 2018
You're just Better !
By Joanne,
Sep 19, 2018
So far ... so good!
By Steve,
Sep 18, 2018
Great product, excellent price and extremely simple process
By Lena,
Sep 18, 2018
By Penelope,
Sep 18, 2018
easy to use, friendly helpful staff
By Paramjit,
Sep 17, 2018
By Shaun,
Sep 16, 2018
By Sheree,
Sep 13, 2018
Good prices! and the website if very user friendly, thanks Initio!
By Jared,
Sep 13, 2018
By Tracy,
Sep 11, 2018
It is easy to use and claims are settled in a timely fashion
By Michael,
Sep 7, 2018
By Sam,
Sep 6, 2018
It is cheap. Easy to deal with. Covers both rental and private properties as well as contents cover. Includes cover for meth.
By Brett,
Sep 3, 2018
Easy to use and renew, excellent policy pricing.
By Paramjit,
Sep 2, 2018
By Ray,
Aug 31, 2018
Overall excellent claim service, thank you
By Rica,
Aug 30, 2018
Easy to use website/dashboard (mostly) and good premiums for level of cover
By Duane,
Aug 28, 2018
By Simon,
Aug 28, 2018
so cheap and easy to insure house and especially for a rental property. thanks
By Deborah,
Aug 28, 2018
Price plus excellent customer service.
By Wolfgang,
Aug 27, 2018
Convenience, price, communication.
By Barbara,
Aug 27, 2018
Good pricing, easy to use website. Main downside for landlords is not being able to insure properties in the Wellington area.
By Elizabeth,
Aug 27, 2018
Easy to put in place, good value as premium slightly less than comparable product.
By Lindsay,
Aug 23, 2018
Awesomely easy and quick to renew insurance. Great underwriter and high rating. Thanks guys. Lindsay.
By Jeremy,
Aug 22, 2018
Cost effective and convenient
By Cheny,
Aug 21, 2018
By Shelley,
Aug 20, 2018
Love the ease of the online applications!
By Bruce,
Aug 19, 2018
Easy web site, renewal fine good support information
By Roger,
Aug 16, 2018
By Sandy,
Aug 16, 2018
Offered an appropriate product for our needs which also incorporated some choices that could be used to adjust cost. Easy application and renewal process.
By Dan,
Aug 14, 2018
It's easy. Good photo Rene. :)
By Richard,
Aug 13, 2018
Because of suze
By John,
Aug 7, 2018
By Brian & Glenda,
Aug 7, 2018
Recently had a claim with Initio and they were fantastic. Great communication and they paid out in one day.
By Ranjeeta,
Aug 7, 2018
By Davina,
Aug 7, 2018
Excellent call center service. great product at a great price.
By David,
Aug 6, 2018
By Oliver,
Aug 6, 2018
Your UX (User Experience) online is easy and really clear. I was sketchy on the Account to Account thing though, not usual for 3rd party sites to ask for your bank username and password. I had to check with them it was legit.
By Brendon,
Aug 5, 2018
By Philip and Rosemarie,
Aug 5, 2018
We have just placed our fourth rental property policy with Initio and continue to be very happy with the cover, service, and good value.
By Andrea Rose,
Aug 3, 2018
By Hayden,
Aug 3, 2018
Easy
By phil,
Aug 1, 2018
By Daniel,
Jul 31, 2018
best cover/value for money
By Jeffrey,
Jul 31, 2018
By Heather,
Jul 30, 2018
Price and value for money
By Jenny,
Jul 27, 2018
Good insurer
By Stephen,
Jul 27, 2018
quick and easy... thanks
By Abraham,
Jul 26, 2018
Great Price and service
By Karen,
Jul 26, 2018
Easy to use, quick response thanks
By Ian,
Jul 26, 2018
convenient and competitive
By Keith,
Jul 26, 2018
I've always had good service from you and most importantly at a reasonable price
By David,
Jul 25, 2018
I have always found Initio easy to use and were confident to recommend to others based on pricing when compared to other providers. I've just renewed a policy for this year and the premium (excl levies) has increased 36% on last year.$290 to $395.35 It seems excessive without an explanation.
By Aneta,
Jul 23, 2018
Friendly NZ staff! Don't need to deal with offshore call center people I dreaded calling for any policy help or changes as each call would last about 30-45 mins and then I'd have to call back as mistakes were ALWAYS made by the call center person, better pricing than State, Easy online quoting system, Endorsed by GRA.
By Janet,
Jul 22, 2018
Excellent, quick service. Thanks
By Martin,
Jul 22, 2018
By Lorna,
Jul 19, 2018
By Robyn,
Jul 19, 2018
convenience and friendly way of communicating.
By Shelley,
Jul 19, 2018
Have NEVER been able to buy insurance like this before. Super easy. Only thing is that there is nowhere to tell you that the 2 houses on this property were built in different decades. 1969 and 1990.
By Jonathan,
Jul 18, 2018
By Joan,
Jul 18, 2018
By Paul,
Jul 16, 2018
Easy, you insure our bach with no issues. However, must say it has gone up quite a bit this year hopefully not next year as will then shop around again. Many thanks
By Kushil,
Jul 15, 2018
It was breeze to renew the policy
By Dmitri,
Jul 13, 2018
happy returning customer
By Graeme and Heather,
Jul 12, 2018
Ease of applying, more cover and slightly cheaper premium
By Joanne,
Jul 12, 2018
Great price and easy to use website
By Tonij,
Jul 12, 2018
It easy to get a quote and apply. And cheaper than other broker. Thanks.
By Dmitri,
Jul 9, 2018
HAPPY RETURNING CUSTOMER Thank you for great service and ease of doing business with you, not to mention unbeatable quotes. Keep up great work - this makes my business flow much easier.
By Beverley,
Jul 8, 2018
easy to use
By Vicky,
Jul 8, 2018
Eaay and cost effective
By Gareth,
Jul 8, 2018
By David,
Jul 7, 2018
By Kathleen,
Jul 3, 2018
Very affordable insurance.
By Adrian,
Jul 3, 2018
Easy to deal with, modern technology, competitive rates, excellent customer service and claims process.
By Katrina,
Jul 3, 2018
By Felix,
Jul 2, 2018
Good expriences with service, pricing, easy navigation on dashboard and claim processing is straight forward.
By Daniel,
Jun 29, 2018
excellent cover, best price
By Ann,
Jun 29, 2018
EASY! Because I had a valuation for the reinstatement estimate. YAY! And Suzanne answered all my questions and I needed to save money.
By Katrina,
Jun 29, 2018
Ease of use and cost
By Kirsty,
Jun 29, 2018
convenience
By John,
Jun 27, 2018
Easy to get a quote and also easy to pay.
By Mark,
Jun 24, 2018
All my dealings with Initio have been efficient, easy and friendly. The one small claim we have made was handled simply without any problem.
By Christine,
Jun 24, 2018
By Larissa,
Jun 24, 2018
By Aleysha,
Jun 21, 2018
Appears to be good coverage, good to deal with when a claim arises and easy to renew policy payments. Also appear to be competitive as compared to other insurance providers
By Bronwyn,
Jun 19, 2018
By Astaria,
Jun 15, 2018
Good prices, robust product offering, plus you guys were there for me when I needed to make an insurance claim. Was expecting misery and I was pleasantly surprised
By Glenn,
Jun 13, 2018
Lower cost, compared to other companies, and ease of purchasing insurance
By Anthony,
Jun 11, 2018
By William,
Jun 7, 2018
By Nicola,
Jun 6, 2018
By Velda,
Jun 5, 2018
People really nice Concept really good but website needs attention
By Anthony,
Jun 5, 2018
The cheapest and the best though not such a worry now the P is not such a problem.
By Robyn,
Jun 5, 2018
Great and easy to use
By Barry,
Jun 3, 2018
Your service is impeccable and although your rates are not as competitive as they once were, they're still acceptable at the moment. Hopefully now the P Lab scare is dwindling, Lumley will lower rates.
By Andrew & Jo,
Jun 1, 2018
I would give 4 stars if you allowed direct debit. Insurance is about peace of mind - but if I forget to pay a premium I’m left without a policy. If direct debit isn’t enabled next time we need to renew a policy we will look at alternative insurers. Aside from this, initio is great.
By Phillip,
May 31, 2018
Quick signup and simple
By Warren,
May 30, 2018
Prompt and professional claim service
By Lorna,
May 28, 2018
Our tenant has said the tradespeople were wonderful to deal with and they were amazed how promptly this claim was repaired.
By John,
May 24, 2018
Good value
By Colin & Carol,
May 23, 2018
By Lesley,
May 22, 2018
Cheaper and very Profesional
By Aaren,
May 21, 2018
Cheap and easy
By Graeme,
May 19, 2018
Easy to do business. Competitive rates. Claim handled promptly.
By mark,
May 19, 2018
Because I have never made a claim yet and don't know how fair and efficient you are.
By Ross,
May 19, 2018
Had no luck making a claim.
By Tracy,
May 16, 2018
By Stephanie and Stuart,
May 12, 2018
Easy to use website.
By Penelope,
May 11, 2018
My excellent experience with the claim team at Initio has removed the anxiety associated with approaching my insurance company when making any future claim.
By Kim,
May 7, 2018
By Robyn,
May 7, 2018
Easy to use and great prices
By Scott,
May 7, 2018
By Ian,
May 7, 2018
so easy to do, no sales pressure and very competitive
By Stephen,
May 4, 2018
By Jamie,
Apr 30, 2018
I was very stressed out to find my rental property had come back with a very high reading for meth, but I found making a claim with Initio to be very easy, and after speaking with the Initio claims manager I felt very relieved and reassured. The only criticism I would have with the process would be how long the loss adjuster took to do their part, which I do understand is somewhat out of Initio's control as they are a third party. I am generally happy with my claim experience overall and will recommend Initio to other people.
By Tania,
Apr 27, 2018
Because it is so easy!!!
By Coral,
Apr 26, 2018
Easy online application and the most reasonable premium I could find.
By Cathy,
Apr 25, 2018
it was so easy to insure a multi dwelling property
By Tracy,
Apr 24, 2018
By Adrian,
Apr 23, 2018
Very easy to buy and the claiming procedure was a great experience
By Philip,
Apr 23, 2018
value and specialized to holiday homes
By Sara,
Apr 22, 2018
Very easy to set up, without waiting or any mucking around
By Liza,
Apr 21, 2018
Easy, convenient
By Loralei,
Apr 19, 2018
GOOD COVERAGE INSURANCE. EASY TO PAY ON LINE
By Russell,
Apr 18, 2018
By Wayne,
Apr 17, 2018
Simple straight forward insurance without all the drama
By Kim & Karen,
Apr 17, 2018
Well to be honest with w policy riise from $910.36 to $1319.49 not totally happy. 40% increase.
By Paramjit,
Apr 16, 2018
By Mary-Anne,
Apr 13, 2018
easy to use, all online. easy claims process.
By Dmitri,
Apr 12, 2018
am a happy customer
By Nigel,
Apr 6, 2018
You made it so easy, and fast payment
By Janet,
Apr 4, 2018
Quick and easy, also a good price with excellent cover
By Richard,
Apr 3, 2018
Because so easy to apply and initiate the Policy.
By Wendy,
Apr 2, 2018
Quick and very easy to use website. Have already recommended Initio to a family member who has just bought a rental property.
By Julia,
Apr 2, 2018
By Trudy,
Mar 27, 2018
By Michelle,
Mar 26, 2018
This was relatively easy, but as this is a new policy I reserve complete judgement!
By Graham,
Mar 23, 2018
because seems expensive now
By Simon,
Mar 23, 2018
Easy quote and online service
By Daryl,
Mar 21, 2018
Good cover
By Daryl,
Mar 21, 2018
Good Policy
By Sabine,
Mar 21, 2018
It was easy to set up
By Paramjit,
Mar 18, 2018
By Catherine,
Mar 16, 2018
This is such a fast, clear, and efficient service.
By Parminderjit,
Mar 14, 2018
By Anthony,
Mar 13, 2018
Your system is user friendly & the price is competitive
By Daniel,
Mar 13, 2018
good price
By Wayne,
Mar 12, 2018
Cheaper than our bank Simple to activate Regular reminders
By Michael,
Mar 11, 2018
Value for money & fair response to our one claim.
By Loralei,
Mar 9, 2018
very good insurance for rental properties
By Craig,
Mar 8, 2018
The payment system did not accept either of my credit cards which have several thousand dollars of head room and the number requirement for any loss was very clunky but by contrast Susan on your phone line was excellent
By Brian,
Mar 8, 2018
My Property manager said you are very good
By Takashi,
Mar 7, 2018
Ease of setting up. Great customer service. Very competitive rates.
By Terry,
Mar 6, 2018
prompt personal service via Frank
By Kevin,
Mar 5, 2018
No Monthly Payment Option
By Timothy,
Mar 4, 2018
Easy, cost effective
By Pam,
Feb 28, 2018
SO Easy to get my insurance and saved a killing from my previous Insurer - and with a better coverage!
By Elizabeth Anne,
Feb 27, 2018
Easy site to move around good product reasonably priced.
By Shane,
Feb 25, 2018
Ease of application.
By Jeremy,
Feb 20, 2018
Clear and full explanations of important details
By Raewyn,
Feb 18, 2018
Price and online and convienant
By Emma,
Feb 15, 2018
By Keith,
Feb 13, 2018
Very Good
By martin and cynthia,
Feb 10, 2018
lowest premiums
By Brett,
Feb 6, 2018
By Jon,
Feb 6, 2018
Price of the premium
By Steven,
Feb 1, 2018
By Raewyn,
Feb 1, 2018
Cheaper premium, nice and simple. Thanks!!
By Angela,
Jan 30, 2018
Great customer service - Susan is fantastic! Very easy to understand and apply for. Great pricing.
By john,
Jan 20, 2018
convenient
By Georgina,
Jan 19, 2018
Very effecient and friendly staff. The online claim form is very easy to use and convenient.
By Elizabeth,
Jan 17, 2018
Easy to start and clear process. Waiting to see how the rest of it is.
By Mark,
Jan 16, 2018
price is competitive, couldn't comment on claims,
By Stephen,
Jan 16, 2018
I like the Convenience
By Elizabeth Anne,
Jan 11, 2018
Ease of insuring rental house !
By Peter & Janine,
Jan 11, 2018
Easy to use, competitive
By Stephen,
Jan 9, 2018
easy, good phone help, specific rental policies, reasonable price (though has gone up a lot lately)
By Liza,
Jan 9, 2018
By Neil,
Jan 9, 2018
By katie,
Jan 7, 2018
Easy to apply online and reasonably priced
By Timothy,
Jan 4, 2018
By Daniel,
Jan 2, 2018
Insurance price
By Barbara and Terence,
Dec 29, 2017
Good service over a number by your staff.
By Kay,
Dec 29, 2017
I have been pleased with the cover offered
By Belinda,
Dec 27, 2017
Very happy with this company, however, I have not made a claim
By Karren,
Dec 22, 2017
By Michael,
Dec 21, 2017
price
By Lara,
Dec 20, 2017
Easy to use and a competitive pricing
By Kirk,
Dec 9, 2017
By Cathy,
Dec 9, 2017
It has been so easy to use the on line service and much cheaper than paying monthly.
By Loralei,
Dec 9, 2017
Good coverage for rentals
By Claire,
Nov 10, 2017
Our claim was in relation to a Meth issue. The situation was very distressing and overwhelming. The initio claims manager was very calming, showed empathy and always very bubbly and listened to my concerns. I cannot speak highly enough of her handling of our situation. The process has been speedy and efficient. This is our second claim with initio and both times I have had a good experience.
By Cheny,
Oct 6, 2017
Excellent claims experience
By Christiane,
Oct 6, 2017
Fast efficient claims experience. Very friendly and helpful claims manager. Would choose initio again.

From the initio founders

We spend every day improving the website so that customers can enjoy a modern non-creepy insurance experience. We are on a mission to cut the nonsense and pay claims fast because we love paying claims not delaying them.

  • Your claims are our priority
  • Our cover is specific to your property
  • We provide the fastest quotes in NZ
  • You don't need to build your own policy
  • NZ's first online house insurance provider