Am I covered for Natural Disasters?

All our house insurance policies include cover for natural disasters up to the replacement sum insured you select on your policy.

The government-owned EQC Commission will cover the first $150,000 of damage. We then cover repair costs over $150,000 and up to your replacement sum insured.

The EQC Commission also provides some cover for land and land structures such as retaining walls, bridges and culverts.

If a Natural Disaster only damages your driveway, fence, patio, path, paving, tennis court or another artificial surface (i.e. not the house), this is not covered by the government EQC but it will be covered by Initio. There is, however a $5,000 excess that would apply.