There are risks associated with being a home owner.  This is why you require a tailored insurance policy. Initio allows you to buy insurance online and enjoy some of the best policy coverage available.

Here are some of the great features

Description of Cover Limit of Cover Excess
Full replacement Dwelling Cover up to Sum Insured Your Sum Insured Your Choice
Major Malicious Damage by Tenant (Fire & Explosion) Your Sum Insured Greater of $500 or your choice
Deliberate Damage by Tenant $25,000 Greater of $500 or your choice
Loss of Rents Cover (following property damage) $20,000 – $80,000 Nil
Landlords / Owners Contents
your choice of present day or replacement value cover
$20,000 – $220,000 Same as dwelling excess
Hidden Gradual Damage Cover $3,000 Your Choice
Owners Legal Liability Cover $2,000,000 Your Choice
Full Earthquake Cover Your sum insured Your Choice

IMPORTANT This is a summary of the policy only. Please refer to the policy wording for full details of cover

View Policy Wording PDF   Rebuild Calculator   Get Quote

Who’s behind it all?
With the backing of New Zealand’s largest insurer you can rest assured that should the worst happen your property is in good hands.  Initio is underwritten by Lumley (IAG New Zealand Ltd)

Claim time

Claim time is when insurance maters.  Should you suffer a loss Initio is here to make the process easy.