Initio Blog

Contents Cover Explained

When you insure your Holiday Home or Own Home with initio you have choices when it comes to your Contents Insurance. You can choose how much cover (your sum insured) and which type of cover – Replacement Value or Present Day Value. After reading this, you will understand the differences… Learn more

Top tips to protect your rental house from fire

With Winter well and truly upon us, the heaters have come out. Not surprisingly most residential house fires occur during winter. Kitchen fires make up about a quarter of all house fires – they commonly start from unattended cooking and can quickly spread. As a landlord there are steps you… Learn more

Top 5 things to check for in your Landlord Insurance policy

As a landlord, the risks to which you are exposed are often not covered by a standard insurance policy. When taking this next step on the property ladder it is important to have the right Landlord Insurance cover in place to save yourself from headaches down the track. Does your… Learn more

What are the consequences of meth in rental properties?

Andrew King, of the New Zealand Property Investors Federation, has written a common sense article on the consequences of meth in rental properties.  The consequences of Meth in rental properties has been escalating over the last few years. Fortunately it isn’t the actual health consequences of meth in rentals (except… Learn more

Deferring property maintenance will cost you more

While keeping yields high on your rental property is generally the objective, as a landlord its important to keep up with maintenance as deferring it may end up costing you a lot more. The added benefit is that well maintained properties are less likely to suffer weather and fire related… Learn more

Levies on the increase

Double whammy on levies Did you know that a large portion of your house insurance premium goes to the government in levies. For the average initio house insurance policy sold through our site www.initio.co.nz, over a THIRD of the cost to the home owner is… Learn more

Landlords Insurance Q & A

Landlords Insurance Q&A – what you need to know about insuring your investment property. Recently we were approached by the Auckland Property Investors Association to do a brief Q&A on landlords insurance, and some of the risks that landlords face in the modern market. You can find some of the… Learn more

Insurance in 2017

2016 in review: With 2016 gone and everyone returning from the beach, it is a good opportunity to reflect on the events of the past 12 months and provide an update on changes to the insurance market for 2017. 2016 saw a large rise in the prevalence of meth contamination… Learn more

Insurance or maintenance?

Knowing just how far the cover goes is one of the most important things to consider with insurance. Knowing what can and can’t be covered means you can better prepare and plan for the unforeseen. In general, insurance is there to protect you from the unforeseeable events beyond your control. Learn more