Heard about TINZ?

T.I.N.Z. is New Zealand’s largest tenancy database. If you’re a landlord and you’re self managing your rental properties, you need to join T.I.N.Z. If you’re a property manager, you probably already know how useful the Tenancy Information NZ database is. Once … Continue reading

Ex Severe Tropical Cyclone Gita

After causing considerable damage and devastation in Tonga, Gita is threatening to hit New Zealand. Met Service have issued heavy rain warnings and strong wind warnings covering a wide expanse of the country. States of emergency have been declared in … Continue reading

What is a Gradual Damage claim?

Your initio home insurance policy covers sudden, accidental damage to your home. An insurance policy is designed to help you recover from unexpected losses that can not be prevented.  It is not a maintenance contract, and is not designed to … Continue reading

Cyclone Fehi

A severe weather watch has been in place for much of the country as Cyclone Fehi wreaks havoc.  If you are affected by flooding and damage, please follow these steps for managing your loss. Secure your property Take care of … Continue reading

Stormy Weather

Once again wild weather is storming up and down the country. As the water damage claims start flooding into the initio team, it seems like a good time to give you some tips on managing storm damage. Secure your property … Continue reading

Congratulations!

Congratulations Frank Risk Management Last night our friends and colleagues at Frank Risk were recognised with the Australia New Zealand Institute of Insurance and Finance (ANZIIF) Small-Medium Broking Company of the Year Award. This is the second year in a row … Continue reading

What is Landlord Insurance?

Landlord, or Rental Property Insurance is an insurance policy that specifically covers the property owner (Landlord) for their Rental Home and some of the risks associated with being a landlord. Owning and insuring a rental property is a bit different … Continue reading

Top 5 mistakes when insuring a home

When arranging home insurance customers will often email or phone for advice. We have complied the top 5 mistakes that we often hear. 1. Reducing the sum insured to save money 2. Not considering the correct sum insured 3. Not … Continue reading

Calculating your Sum Insured

You are responsible for ensuring that your home is insured for the correct amount. That’s why initio thinks its important to make sure you understand what should be included in your sum insured. If you have built your home, you might … Continue reading

How does an excess work?

Insurance is full of jargon, and one piece of jargon that we use often is ‘excess’. Insurers assume that their clients know what an excess is and how it works. This article will give you a clearer understanding of excesses. … Continue reading