Own home & income insurance

Get cover for your home, contents and the additional space or unit you rent out. Covers specifically designed for the various types of home and income properties

make-money-on-your-own-homea

Get the right cover while you earn an income from your own home

Its simple and uncomplicated insurance. We’ll guide you through what combination of policies you need to insure your Home and Income property.  Whether its a standalone transportable on the back of your property with a long term tenant in it, or a bedroom you rent out to short stay guests we have an insurance solution to suit.

You’ll receive protection for all the important events including fire, earthquake, flood as well as landlord risks such as loss of rent, damage by tenants, meth, landlords contents, landlords liability.

Need more help choosing cover?

 


Bespoke cover for your home and income

We include the things that matter

Accidental damage

Cover for any accidental damage by you or your guests.

Deliberate damage or theft

Cover for deliberate damage or theft by paying guests.

Loss of Rent

Cover for loss of rent you suffer because of damage to the house. Up to 52 weeks based on historical and future bookings


Home and Income Questions?

It’s often a property where you live on the site in your own residence and you also have another residential unit or dwelling on the same land that you rent out to longer term tenants from which you receive an income – “home and income”

The additional property could be in the form of a self contained ‘granny flat’ attached to your main residence OR it could be a completely separate unit or dwelling on your property.

Landlords also refer to properties as being ‘Home & Income’ when it’s a property that has two different tenants occupying it. We like to classify these as ‘Home and Income Rentals’. These are easily insured using two landlord insurance policies.

In recent times, home and income properties have also come to mean AirBnB style houses where a home owner rents a single room or part of their home (eg downstairs) to a short staying guest.

Its easy with initio.  The process is straight forward. Using our guide above – work out what type of home and income property you have. If its the most common “Own Home and Income” then use the following steps:

  1.  Get an instant quote for your Own Home (your residence).
  2.  Review the insured value on the quote page (this is the insured value for your own home)
  3.  From your quote page, follow the steps to Get Insured.
  4.  Once insured, from your initio dashboard click add property to get a quote for the additional dwelling.
  5.  Review the insured value of this property and follow the steps to Get Insured.
  6.   Once complete you will have two policies showing on your dash.  One for your ‘Home’ and one for your ‘Income’.

Start the process by getting a quote for your own home.

Get quote for your residence 

Also known as rental property, landlord insurance is an insurance policy that specifically provides protection for property owners who rent a residential house out to a tenant. The existence of a tenancy agreement means that a landlord risk exists, and normal house insurance does not cover things like loss of rents and damage caused by the tenant

Learn more about landlord insurance 

It depends how the property is used as to whether we can provide cover:

Dedicated short stay – we won’t provide cover
If the additional unit (eg airBnB or Bookabach) is rented out to short term guests, is run purely for short term guests (ie not used by you as part of your ‘residence) and its situated on the same property as your own home then this means that the additional dwelling does not meet the definition of a residential dwelling under the Earthquake Commission Act 1993.
Y
ou will most likely require a commercial policy to cover the additional unit on your own property.

Used by you as part of your residence – we WILL provide cover
If you use the additional unit as part of your own residence and also rent it out to short staying guests then you we can provide cover:
Simply insure your own home with us, and then through through Initio dash add the additional property as a rental property / landlord property.

 

 

A single dwelling (or living unit) is a premises that is fully self contained.

To be self-contained a premises must contain the facilities necessary for day-to-day living on an indefinite basis.
There must be somewhere:
• to cook;
• to sleep;
• to live;
• to wash; and
• to carry out ablutions.

Generally speaking if the additional dwelling does not have any of these things then it can be insured as part of the house without the need for an additional policy.

If the additional unit at your own residence is not self contained then it does not require its own separate insurance policy.  You can include the unit as part of the main dwelling (ie add the replacement value of the unit to your own home insured value).

To be self contained all of the following things but apply.  There must be somewhere to:

• to cook;
• to sleep;
• to live;
• to wash; and
• to carry out ablutions.

A tenant can only be held liable for damage if the landlord can prove that the deliberately caused the damage. A landlord cannot hold a tenant responsible for damage caused by accident, neglect, stupidity. Learn more about how the Holler v Osaki court case affects landlords.

Yes, you are a landlord if you receive income for renting out a self contained unit / dwelling on your property.  So to this extent you are exposed to additional risks such as loss of rent and malicious damage by the tenant.  This is why we recommend that a separate landlord policy is put in place, in addition to your own home insurance.

This is your choice but we strongly recommend that Home & Income properties are insured with a single insurer.  If you have a claim (eg a major fire, or an earthquake) your claim will be more straight forward with a single insurer.

  • A two storey home; where you and your family live on one floor and tenants rent out the other floor.
  • A property with two homes; you and your family reside in the main home, and you have tenants in the granny flat.
  • A property with a home and studio; you live in a studio unit and you have tenants rent the main home.
  • A duplex townhouse; where you live in one townhouse, and tenants rent the other.
  • A property with a flat over the garage; you live in the home and your tenants rent the garage flat.
  • Adjoined units; where you live in one unit and the other unit is rented to tenants.
  • A multi unit complex; where you live in one unit and the other units are rented to tenants. (This would require a one home policy and a multi unit rental policy)

And home and income, with a rental property examples:

  • Property with two homes; where the main home is rented, and you have seperate tenants in the granny flat.
  • Property with Home and a standalone studio; where the the home and studio have seperate tenancy’s.
  • Property with a flat over the garage; you have tenants in the home and other tenants rent the standalone garage and flat.

And some examples of when the rental(s) are attached

  • Two storey home; where each floor has a seperate tenancy.
  • Property with a home and attached studio; where the the home and studio have seperate tenancies.
  • Duplex townhouse; that is rented to tenants.Property with a flat over the garage; you have tenants in the home and other tenants rent the garage flat.
  • Adjoined units; where both units are rented to seperate tenants.
  • Multi unit complex; where you rent out all of the units to individual tenants.

What are customers are saying?

By Emily,
good cover, good online chat service
By Stephen,
Simplicity.
By Roger,
No claims yet, but excellent service in setting up and renewing
By Grant,
Fast, easy process!
By Archie,
easy to use online
By Nicolaas Frans,
By Garry,
By Graham,
Ease of getting insurance sorted. Helpful website.
By Philipa,
Easy to use on-line and competitive pricing
By Peter,
Great service.
By Vicki,
Easy to use and understand insurance process
By Robin,
Ease of use
By Marivic,
Easy to navigate and fair pricing
By Liza,
By Karren,
Very easy to use
By Roger,
Convenient online insurance portal, easy quotes with various options and straight forward policy wordings for rental property insurance. Our portfolio insurer of choice for 8 years plus!
By Elizabeth,
Easy to use and to understand.
By Tom,
Convenient and streamlined online solution. Reasonably priced.
By Clayton & Lorraine,
Good service, simple online and no hassles. Claims easily settled
By Diane & Matthew,
Great service, so easy to insure and understand.
By Lijia,
Easy to use. Best cover for the price at the moment.
By Gregory Roberts,
By Duane,
By Andy,
This has been the easiest process in securing property insurance I have ever experienced. The premiums are also significantly more competitive than what I'm paying with my previous insurer.
By Geoff,
By John,
so far... If I have to claim and things dont work out my stars may be different.But easy logical forms and helpful additional information. Very good site.
By Ellan,
SO EASY TO USE
By Deborah,
Just so easy to deal with
By Mark,
Great website, easy to navigate. Competitive prices and additional benefits.
By Theo,
By Elisa,
Great to use!
By Stephen,
Easy to manage...
By Klee,
By Ian,
If i need to talk to someone on the phone i don't have to listen to on hold music for a long time. Brilliant service, keep up the good work. Regards Ian
By Laura,
Great user experience.
By Vicky,
By Cathy,
Initio is just so easy to use and the information is set out without complicated jargon!
By Azim,
By Sandra,
Easy to do online, competitive pricing and cover
By Dennis and Barbara,
Great service, ands value
By Graham,
Easy to set up and very competitive prices, some of the best on the market, will be moving our own house insurance here once it comes up for renewal.
By Lucius,
Easy renewal process
By Lucius,
Easy renewal process
By Lucius,
I am very impressed with the speed and ease of use of the renewal process.
By LAURYN,
I have moved all my house insurances to Initio. Ease of use, hassle-free.
By Janice,
Easy to do online but you won’t insure all my properties
By Joanne,
Great pricing and making a claim was an absolute breeze. We are switching all our rentals and our own property to Initio!
By Christina,
By Craig & Robyn,
By Craig & Robyn,
By Ganesh,
By Carl / Jinchang,
Easy to get quote. Premium reasonable. Prompt payment of claim.
By Julianne,
easy transparent website and insurance, with reasonable premiums, lots of helpful information
By Meghan,
I've recommended your service to alot of people and had a few switch over. Looking at changing my personal home &contents to you also!
By Sharon,
Great value and super easy process!
By Ian,
By Denise,
Good value insurance, easy to understand policy, and appreciate the good customer service
By Michael,
By Nicholas,
Price and service
By mark,
By Timothy,
Easy as to deal with. Fast communication
By Gordon,
Easy online system, they processed a small claim with no hassles. I am happy to use on multiple properties. Good value.
By Steve,
By Kate,
Easy to insure!
By Donia,
By Brian,
great service.
By Dave,
By Steve,
By Therese,
By Kelly,
By Simon,
Process is so easy
By ANDREA,
By Lisa,
By Lynley,
easy to use website NZPIF Discount / competitive pricing good product offering the flexibility to choose Loss Of Rent cover etc that i require
By chrissy,
All experiences excellent
By David,
Happy with ease use
By Peter,
By Fiona,
I’m impressed. Sorting Insurance isn’t a favourite hobby of mine ... the experience has been pain free, clear and transparent details, staff who do what they say they will and follow through. Compared to other insurers or Tower and AON this has been a breath of fresh air and I won’t mind doing it again!Thank you for keeping things simple with good coverage. Keep up the good work!
By Katherine,
By KARTHICK,
By Audrey and Andrew,
cos its just easy! I used to work for IAG so have faith in the process!
By Gordon and Carol,
Prices are fair and great service
By Donna & Mark,
The realistic and flexible nature of accommodating unconsented works, and the ease of being able to do the whole application process online, plus the premiums are very reasonable.
By Chris & Jonell,
Easy online process, dynamic young company and confidence in knowing I would be looked after in the event of a claim.
By Seema,
Excellent so easy to renew 5 stars very happy customer here
By Sandy,
Initio had tried maximum effort in order to minimise the payment for the insured. I had been through all the stress because of this event, loss of rent for rest of the year, theft and damages etc. Furthermore I have to experience even stressful time to deal with Initio insurance company dishonest approach.
By MJ,
Great service
By Christopher,
Unable to increase loss of rents to $50,000
By Christopher,
Dont like your risk on Wellington properties
By LAURYN,
Absolutely hassle-free
By Clare,
By Elsie,
I've never made a claim, so cannot judge how easy, or not, that would be!
By Carol,
Ease of setting up insurance.
By Summer,
By Barry,
Easy to deal with
By Anthony,
I have been very satisfied with the service though other companies send an Insurance assessor to sort the claims out.
By Diane,
By Stewart,
Excellent and easy to use! Thank You!
By Juli,
By Therese,
really easy to transact
By Pushpendra Singh,
Easy and Friendly Sign up.
By Rene,
Simply outstanding
By jude,
good value.
By Munich Ltd,
By Russell,
By Deborah,
Value, 4 months required between rental inspections and easy to make changes
By Rebecca,
By Natasha,
good value cover. Easy to buy it on line. Good company.
By Janine,
Quick and easy process
By Lee,
By Hayley-Jane,
Too easy
By Brett,
happy with service
By Richard,
By Lincoln,
By Rob,
By Robyn,
Great, easy to use :-)
By Malcolm,
simple and effective
By John,
By Colin,
By Graham & Lynne,
Have been a client since Initio's early days. Had 1 water damage event in a kitchen and had prompt good assistance from Initio and Kitchen repaired and restored very quickly. Recommend Initio to people regularly.
By Barbara and Terence,
We are very happy with your service.
By Robyn,
Great easy service to use - thanks again :-)
By Lisa,
By Brad,
Very simple, fast and easy!
By Ke,
The premium is easy to buy
By Mark,
Good website, easy to follow. Prices have been creeping up a little though, be good to offer a multi policy discount if a customer has several policies with you.
By LAURYN,
By Duane,
By Glenn,
By Suzanne Anette,
Setting it up was very easy, I guess the proof of how good this insurance is will be if anything ever has to be claimed (not so far).
By Dennis and Barbara,
Online, and kept simple to use
By Anna,
By Tigilau,
Comprehensive yet clear, well itemised and easy to understand policy. Great website interface. Competitive pricing.
By Lena,
So easy to renew insurance
By Beryl,
great online system and great help when required. thanks Micah!
By Susan,
very easy to deal with online
By Maria,
By Clare,
By Bradley,
Easy, with good coverage and price competitive
By Jim,
Great on line service and quick responses - Have used before and will use again - Thanks Andre
By Josephine,
Good simple system. Cheaper than other insurers
By Bruce,
Security, convenience and a reliable Insurer
By Julia,
By andrew,
fast. easy. cheaper than broker.
By Davina,
By Davina,
By Davina,
By Davina,
By Davina,
By Robin,
I am so impressed with the ease of Insuring with this company and the extra benefits offered
By Brendan,
By Mark,
Seamless service highly recommend this product
By Ian,
Slick online application process, excellent landlord cover, very responsive.
By kameron,
Ease of starting and seems to be honest
By Barbara,
Easy to deal with, website easy to use. Good value.
By Keith,
Great company to deal with always very helpful
By Scott & Janine,
Easy, no fuss and competitive prices
By Anne,
By Gary,
Great easy process and good value for money cover.
By Alice,
I've recently had Malicious Damage by my tenants which resulted in over $40,000 damage! I was so lucky that I'm insured with Initio which they've attended very quickly and processed payment at a swift pace. The loss adjuster and the admin person that handled our case was kind and professional, all conversations are easy and prompt response. Furthermore, they've demonstrated compassion to what happened to us, in the old classic Kiwi way. 5 STAR for teams at Initio, you guys are AWESOME! highly recommend to all.
By Leigh,
Easy online quote. Chat feature worked well.
By Juliet,
I have recommended you to family and friends. A lot of them have changed. You are good value for money. Easy to deal with
By Barry,
By SAM,
By Brett,
We had a Meth claim / very stressful time / Initio staff were awesome & friendly & handled the claim professionally step by step & got our property sorted out & rented out again Cheers
By Jim,
helpful advice from "chat" with Andre and good pricing on Landlords policies. Thanks
By Suzanne,
I have had all my insurance policies with AMI for decades. I thought they did a reasonable price. Your quote is better - who doesn't want to get a good deal!
By David,
Easy to use, and Hassle free in any claims I've made
By Evgeniya,
easy to deal
By Mara,
Love the online interface
By Tonij,
Simply and easy.
By Fraser,
By Anthony,
Very good service when I have made a claim.
By Natalie,
By Elizabeth,
easy to use and to understand
By Pamella,
easy to use, all the insurance I need at much lower prices. thank you.
By David,
Easy system, good value.
By Darren,
Great digital experience focused on landlords needs
By Munich Ltd,
By Teresa,
By Tim,
excellent service & product-once an AP option is available (instead of CC for monthly payments) it would be 5star recommendable
By Simon,
So easy to renew policies and also the cost of insurance is very competitive.
By Peter,
By Grant,
So easy
By Martin,
By Stephen,
Easy to manage and good value !!
By Robyn,
By Carolyn,
Very easy to set up and competitive pricing and good coverage
By Anthony,
Simple, easy process. Best value insurance in the country.
By Andrew,
Cheaper than most other insurers. Easy to complete and pay online.
By Michael,
User Experience excellent!
By Andrew,
Easy to fill out policy online and cheaper than most other insurers.
By Gregory & Gaylene,
Good value and good user friendly systems
By Beverley,
By Sally and Brentyn,
By Erika,
Quick and Easy
By John,
By Darwin,
I've used Initio several times and it is simply the best - so easy!
By Gemma,
Easy renewal.
By Katarzyna,
because being with Initio is easy and no trouble to do all business online.
By Helen and Paul,
Great user friendly website. Thanks so much
By Judy and Neville,
Simple process but cannot give top score as premiums continue to soar and I have not had the need to test the claims side of the scheme, and hopefully never will.
By Fleur,
By Kenny,
Easy to apply online and very cost-effective.
By Sandy,
Great firm !!
By Melody,
Easy and recommended by Hawkes Bay Property Investors
By Abraham,
Great easy service
By Corinna & Jonathan,
Great price & cover, easy to use portal
By Vincent,
Initio has competitive pricing and its so easy to get one online. Covers most I could think of ensuring peace of mind. My second year with Initio!
By Andrew,
Your water damage policy is far too strict. A gradual leak that you can't notice caused thousands of dollars in damage but wasn't covered by our cover.
By Andrew,
By Katherine,
Easy site to use and good pricing
By Katherine,
Great website, easy to use and good pricing
By Scott,
Clear, simple and easy to navigate.
By Tonij,
Fast, simple and competitive premium. Claim also easy and straightforward.
By Alistair,
Easy to fill out and to see how premium is affected by choices. Also cheaper than others :-)
By Valerie,
Very quick and easy to set up, and great price.
By PETER,
PRICE
By Leighton,
By Lisa,
By Katrina,
It seems an okay policy but too expensive. At the moment I've not got enough time to research other options.
By Pardeep,
Great price and service
By Pardeep,
great
By Avinash,
Good service.
By Lara,
It would be best if you have a reference part for customers to write their property address, when using account to account. Also to choose a date I want the funds to drawn out, rather than for it happen straight away.
By Jacqui,
By Jill,
Competitive rates, great service when I made a claim.
By Nicola,
By william,
easy, good price
By Michael,
Effortless, Reasonable prices, No Automatic rollover, with huge increases. Good reminder.
By Carole,
So easy to use & understand
By Gen Lin,
fast and easy!
By David,
Need to see you live up to what we have agreed in the contract above
By Anthony,
Other insurance companies are offering competitive terms. In particular I am thinking of AA.
By vincent,
Online, easy
By Barry,
By Anthony,
Good prices, good service when we have made a claim.
By Chris,
Easy to use and clear format
By Dawn,
By Neil & Rawinia,
Clear benefits, Easy process. I completed this in 15 minutes from the UK. Definately the most simple insurance I have ever completed. Time will tell how good the service is beyond this.
By Trevor,
By Munich Ltd,
By Wilma,
Friendly systems to follow. Thank you.
By michael,
By Lynette,
Great value insurance
By Gordon,
Quick easy to use, processed the one small claim we had well. Just renewed for 3rd year.
By Paul,
Easy online process. However at this stage can not comment on claim process as had no claims.
By Tracy,
easy to use
By Janet,
Very quick and easy the deal with
By Yongping (Peter),
GOOD SERVICE!
By David,
Really simple service to use, value seems fair.
By Arteshar,
Been with Initio for about 5 years, for 2 properties. I am happy with the policy.
By Zbigniew,
Friendly and helpful staff, good communication and ease of use
By James,
By Christine,
Easy online process
By David,
would be 5 stars, because it is all so easy. but since you have been bought out the prices have been creeping up.
By Ethan,
Easy to use. Good pricing
By Helen,
By Deirdre,
Good service and easy service. Great pricing.
By Firman Family Trust,
so far so good
By Sharron,
Easy and fast. great stuff
By Anna,
Easy system to use
By Dmitri,
happy long term client
By Jason,
ease of use and great pricing
By Ann-Marie,
Have not had any direct experience (claims) so don't know how supportive your company is but cover is good and premium renewals easy to negotiate.
By Robyn,
By Nicola,
It was so easy! I've spent literally hours on the phone to other insurance companies and brokers this week. Initio came back with the best cover, best price and I purchased the insurance online within 5 minutes. Amazing, thank you!
By Emily,
It was friendly. Easy simple clear information. Liked the examples of recent payouts and do not payout. Also the info of what you covered under landlord insurance. Extensive and clear with options of increasing. Then easy to pay at end with clear information and instructions. Im not use to digital technology but it was great. Thank you
By Angela,
By Eshal,
Cannot be easier to renew, thanks team:)
By Adriaan,
Very easy to manage, nice setup
By Steven,
Simple easy good value
By Kent,
Quick, easy, great value for money.
By John,
good website, easy to understand and select and edit the information
By Coral,
Love the dashboard and easy to renew
By Rachael and Geoff,
Easy to renew and use.
By David,
Very easy
By Satnam & Akanksha,
Never had to claim but buying and renewing the policy, online portal is amazing so thanks for the good work. Of course, no one knows how good insurance is until you claim so might find out more one day
By Meha Dinesh,
EASY
By Rachel,
Polite, helpful, quick and helpful service.
By Randi,
Professional service, easy invoicing/payment, policy clear and understandable.
By Jody,
Super easy online insurance and willing to offer insurance on my trade properties as well , thanks
By Mark,
Couldn’t be happier with you company guys. Dashboard so easy to set up new policies or renew old one. Just wish you would insure all my other properties in Blenheim. Maybe in time aye. Thanks again. Mark.
By Duane,
By Richard,
Initio makes renewal hassle-free. Thanks.
By Robin,
It's a breeze to use :)
By Louisa,
Easy to check adding replacement value and the effect on premium.
By Tom,
Easy to manage my policies online.
By Wendy,
By Calie,
Easy to use competitive prices great value for money
By Stephen,
So easy to use.
By Nick,
By Carolyn,
Easy to use, lots of easy to understand information, and a good price
By Yiannos,
Easy to renew, all information readily avilable
By Alistair,
An easy online process. Policy quite well suited to a rental property.
By Robert,
All seems to good to be true- Realistic rates, straight through processing, every thing is not too hard requiring extra payments here and there.
By Trevor,
Great cover with good number of options available. Good pricing and good support service. Thanks.
By Joel,
Easy and competitive.
By Raewyn,
By Raewyn,
By Raewyn,
By Raewyn,
By Lee,
By Grant-David,
By DTH Group,
By Amber,
It's just easy
By Dennis and Barbara,
Fantastic communication, ease of use .
By Torlesse Trustees Ltd,
Easy and resonable price
By Stephen,
Its easy
By Graham,
Simple to renew
By Catherine,
As far as I've been concerned Initio is easy to work with. I haven't yet needed to make a claim, hence I don't know if 5 stars are appropriate.
By Sonia,
By Ali Mohamed abdelkader,
Really easy to go through the sign up process and awesome that we can get real time quotes.
By Sonia,
By Duncan,
By kim,
simple,clear, covers everything i need and I love that I change change/control amounts online instantly
By Tamara,
By David,
Easy and good products
By Rob,
On-line process was quick and easy!
By Joanne,
Very easy
By Kerry,
A good simple process and easy to renew, thanks
By john,
Too easy
By Debbie,
Easy and call back service was very helpful. Oh and not forgetting - no sales spiel. Love it! Thank you
By Ria,
So easy to use!
By Anthony,
Easy, quick & well priced, so many websites are not user friendly its good to use one that is.
By Nicki,
NZPIF discounts and a very competitive premium and good range of cover, thanks!
By Pam,
Do so all the time! Just can't wait till I can change our vehicle's to you too!
By lance,
Super easy, super fast, claim settled no problems, I'm definitely an initio fan....
By Donna & Mark,
So easy to setup, easy to deal with on the phone, a very pragmatic approach to insurance.
By Peter,
The premium is a lot cheaper than my existing insurance through a broker I have been using for years. I guess we will find out how good you are if I need to make a claim.
By Pam,
Have done at every opportunity I get even to strangers!!!!
By Malcolm & Tracy,
By Maria Donna,
Very easy to use and set up no lengthy forms.
By Victoria,
By Craig & Robyn,
Easy to set up and competitive policies. Can't comment on experience with claiming at this stage though.
By Jason,
Pretty easy service, price has gone up quite a bit on renewal I would like someone to call me to discuss as I will be shopping around for the best deal.
By Terry,
By Grant,
By Ria,
Its so easy!
By Peter,
By Natasha,
Very easy to use, good pricing, hassle free
By Niquita,
Super easy to deal with !
By Sally,
Nice and easy GReat rates Help if you need it Claims managed really simply
By Glenn,
Good price, easy to obtain
By Ivan,
By Jo,
Easy online service at a good price
By Gordon and Carol,
Easy company to deal with
By mohammad imad,
Nice services, satisfy my needs.
By arnold,
i depend on experienced and successful investors and their associates and to date i have no regrets i have been able to retrieve information from your web sight which is accurate and truthful and had the relevant detail contained within it that the rangitikei council could not provide
By Malcolm,
Just so easy to do online.
By Raewyn,
Easy to work with and try different options.
By William,
By Roger,
easy to deal with
By Sharon,
I have found Initio easy to deal with and the whenever I have had to ring in the team have been friendly and helpful. Thank you.
By Nick,
Low calculator, fair rates
By Roger,
By Janet,
Excellent, fast, friendly service. Thank you!
By Karl and Florah,
By Reuben,
Easy to use and competitive pricing
By Glen,
Easy and has good value as an owner and investor. Initio Team is also good to deal with.
By Barry,
The insurance is placed, with a recognised insurer,with competitive premiums,and questions regarding the policy are answered promptly on the chat
By Bronwyn,
By Allen,
By Donal,
By Stephen,
Straight forward process
By Douglas,
By Todd & Helsa,
By Liza,
By Brenda,
Easy online process but if you need help they are very quick to contact you and get everything sorted
By Sophia,
I like the simple and straight forward website - far better than competitors! Plus I received two other quotes and Initio always comes in cheaper.
By Graham,
By Kena,
By Elizabeth,
straight forward insurance and renewal. Although the strength of the insurance is at the time of claiming. Hopefully something that is not tested!
By Janine,
Very easy process, great website
By Kerry,
By pauline,
A simple process and very efficient. I haven't made a claim, so I can't give you 5 stars yet.
By Chy,
Very easy to navigate and great cover
By P.A,
Absolutely hassle free process every renewal.
By Reg,
Real easy to deal with
By Deborah,
The service that I have had to date...thank you
By Murray,
I have several properties now insured with Initio because it is simple, quick and so easy. Thanks for revolutionising the insurance industry with an online option that actually works well.
By Georgia,
By Stephen,
Great Value and Easy to Sort... Thanks
By Andrew,
Easy as....
By Alexandria,
Easy to use website.
By Wendy,
Easy to apply and renew.
By Raylene,
Great policy for my rental
By Julie,
By Brenda,
So simple after waiting, talking to and getting nowhere with a very popular company.    
By David,
Quick, convenient. Thanks.
By Wayne,
Easy to reinsure each year. No hassles changing details.
By Aaron,
Easy to deal with and no problems when making claims.
By Mark,
Quick & Easy to use dashboard. Fast response to questions. Good value premiums & easy to understand policies.
By Cameron,
Always have. Satisfied customer.
By Alan & Andie,
By Daryl,
By Cathy,
I have had a recent claim with Initio and the service was great!
By Lucius,
Good pricing for insurance coverage and simple process to sign up.
By Matthew,
By Lucius,
Good pricing, good covergae, easy process.
By Craig & Robyn,
By Craig & Robyn,
By Tobias,
Easy to sign up.
By Craig & Robyn,
By vincent,
easy, online, good offer
By Bonnie,
So easy! It's been painful with my previous provider! THANK YOU!
By Floyd,
great
By David,
easy to do
By Katherine,
By Garth,
The Renewal process is Lightning quick, and can change review so fast! When you have 50 odd properties I save heaps of time!
By Ying,
very user friendly
By Serena,
By P&S,
Simple, no fuss, easy to renew, with reminders sent each year! Love it!
By Serena,
By Simon,
easy renewal
By Trudy,
just so easy
By Clare,
Easy navigation of website and payment.Peace of mind
By Christine,
By Scarlett,
Website so easy to work through your on line quote!
By Gordon and Carol,
Easy to deal with
By Marston,
Easy online quotes, great customer service both online and by email, competitive pricing, NZPIF benefit an extra bonus!
By Barry,
Good price and easy as.
By phil,
By Kelly,
Great service, easy to deal with - at least at the policy initiation and renewal level!
By Maria,
By Seema,
very easy renewal
By Garth,
By Megan,
It is very easy and a good price.
By Therese,
Think the premiums have got up hugely this year
By Michael,
No savings to be had on my other policies
By Adam,
Easy to use and efficient
By Diane,
By Glenn,
Great, easy service and good value for money
By DONNA,
THAT WAS VERY EASY
By Garth,
The Dashboard Is so good for managing everything
By Russell,
easy to renew, tested the market, and still the best value and policy.
By ying,
By HUI MEI,
easy to use, hassle-free, competitive discounted quotes for members of NZPIA.
By Rebecca,
By Michael,
Very easy to use, great dashboard, nice prices
By Garth,
By jeremy,
By stuart,
By Trudy,
By Farideh,
Efficient, affordable, minimalist, reassuring.
By Clare,
Easy and quick process to insure property
By Deborah,
The service I have had from Suze and Anna recently shows me that I have never really had great service to date from my insurance brokers. I have already referred two people with some rentals to Initio
By Caryn,
By Mark,
Initial has been easy to deal with, pragmatic, and seems to be able to spit an honest customer and treat us as one, not as the enemy like some insurers do
By Caryn,
Easy to use process. Able to amend items if required.
By Caryn,
By Sandra,
Efficient, great policies, easy to use online services plus you CAN phone and speak with a human when required
By Anthony,
Competitive Premiums (Mostly) & Cover.
By John,
Easy and simple. Good Company.
By Vettivel,
By Duane,
By (Helen)Hui Chuan,
Your phone staff was very helpful that such patience to stay online guide me through the whole process saved my panic
By Ke,
The purchase process was fast and smooth, and I got some help from your customer support
By Ria,
It's so easy to use
By Jynel,
Quick and easy to sign up!
By Douglas John & Nanette,
Very clean efficient on-line system.
By kathy lee,
By Geoff,
Simple easy transparent and a reasonable price
By Jody,
so easy
By Renate,
Easy to use, very efficient
By Kevin and Julie,
Because you adhere to the KISS principle which makes life easy for dummies like me !!
By Peter,
Easy to arrange cover Suze is great to deal with for any queries
By Kerstin and Antony,
By Ronald William,
Quick & Easy to insure Good price
By Malcolm,
Its so easy to set up on the website and easy to understand.
By Shelley,
Love the ease of this, and think the policy is great.
By Sasha and Daniel,
By Tracey Leigh,
I can easily review every policy. All the information is on the site. I can customise the insurance for each property. It easy to use and not confusing.
By Helen,
The best deal, easy and quick.
By Garth,
By Munich Ltd,
Friendly helpful customer service
By Munich Ltd,
Nice and simple
By Barbara,
Easy to deal with, make changes, renewal etc. I was also impressed with Sam's fronting of recent Auckland Property Investors' webinar. Only issue is current refusal to insure properties in Wellington area. I would have thought that for long-standing clients some accommodation could be made.
By Kim,
Excellent web site and reasonable price.
By Wolfgang,
Been a customer for a few years, now. Always been happy with the service, also in claims situation. :-)
By Bruce,
Very
By Lucy,
Easy to deal with and dealt with our one claim promptly and well.
By Davina,
efficient, easy, understandable, concise, thorough, experts
By Julie,
Ease of use, great customer service. Highly recommend them.
By Sam,
The price is fantastic. The service is great. The policy is comprehensive. And now for NZPIF members we only have to do inspections every 4 months.
By Mark,
By Mark,
By Sam,
Easy and quick to use
By Wilson,
By Grant,
Ease of use and pricing