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.

Here what our existing customers are saying?

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
By Simon,
Cheap easy to renew easy to know whats covered.
By Salesh,
great service
By Rachel,
By Gordon and Carol,
Very fair and helpful pleasant staff
By Pamella,
great cover at a very good price
By Shirley,
Trying to get policy changed as it is in kaikoura proved to be a major headache, and we have had to proceed with no changes as time has run out for us.
By Sandy,
Great easy service and i like that it is tailored for rental properties,.... but is starting to look very expensive, especially with the massive earthquake levy from the government. Also, it is hard to clarify if the excess applies to each item, as i have heard is the case with some policies from other companies - This is concerning as it potential makes the content insurance worthless. It would be great if this was immediately transparent without trying to plough through small print.
By Nigel and Nicola,
Easy to deal with. Make insurance simple, like it should be.
By Brett,
Fast /Easy / Competitive Pricing
By Kelly,
By Chad,
By justin,
Easy, quick and user friendly
By John,
Not satisfied with a recent claims process.
By Gary,
Easy
By John,
By Debbie,
Easy to set up . Will get back to you if leave a message. Competitive price.
By Debbie,
Very competitive easy set up .
By Riki,
Pleased with the value and range of coverage. Easy to deal with online and on the phone.
By Deborah,
It's easy & quick to insure online. Very impressed with the service. Excellent staff whenever I have phoned the 0800 number.
By Robyn,
By Robyn,
By Gregory & Gaylene,
Best price. Very simple online procedure for a 2 unit rental property. When I did have a query the service and response was excellent. Highly recommend.
By Ziguang,
By Darren,
By Andrea,
By Brian & Glenda,
Too Easy!!!
By Brian & Glenda,
It's so easy to use online
By Tania,
Easy and efficient and very competitive rates
By WECKE,
Easy to deal with.
By Lynette,
The premium is extremely good value for the cover you get. Staff are very helpful and pleasant to talk to.
By Brenda,
Comprehensive cover and easy to get quotes and organise insurance
By John,
Easy simple great
By Natalie,
By Kerstin and Antony,
Excellent , friendly and fast help..Thank you Suze
By Stephen,
Quick and easy and good value.
By Jenny,
Great service.
By Philip and Rosemarie,
Quick and easy, with good cover at a good price.
By Fleur,
Easy and quick
By anneke,
Fantastic online insurance...so easy
By Daniel,
Very easy to use and great visibility online
By Truc,
Great coverage, easy to deal with!
By Abraham,
By Pooi Chee,
Easy.
By Hawea,
Simple & easy online dashboard for all details, renewals & claims. Cover for lost rent & contents. Originally was the cost also.
By Allan,
Easy app to use. Competitive rates
By Raphael,
Great Price, broad coverage
By Rachel,
Great policy for good prices, can trust that prices are kept as low as possible. People friendly and helpful when you need them.
By Vicky,
By Daniel,
By Graeme and Heather,
By John,
Very good and easy to insure property
By Gareth,
Getting there, have a look at how European insurers quote for business
By Vaibhav,
Buying an insurance made simple!
By Roger,
Easy to obtain information eg. quote options and keeps running record of claims so I don't have to record separately. Administration is fast and straight forward. Policies cover all the essentials!
By Roger,
Easy.
By Dave,
Great Pricing and easy website to navigate
By Meredith,
Easy to manage online.
By Corinna & Jonathan,
Great cover & easy to renew
By Graham,
Easy to understand and usewebsite combined with good service for claims and you are a broker
By Rene,
I’m a landlord (and one of the Initio founders). Its so easy. I love being a customer. Built by property owners for property owners.
By Jeremy,
Value and convenience
By Michael,
Simple, No Automatic renewal, In comparison to others not too expensive
By Jill,
Excellent to deal with, helpful staff both on chat line and by telephone
By Sally and Brentyn,
By Alistair,
Easy to calculate premium, no waiting on phone, straighforward
By Lynnette,
So easy to renew / although we haven’t had to claim yet very impressed with ease to get quotes/ apply and obtain insurance!
By Andrew,
Easy to get insurance and very hassle free
By Andrew,
Very easy to get and hassle free
By Andrew,
Easy to do and hassle free
By Anthony,
Happy with the prices. Happy with the service.
By Michael,
Great so far!
By Shelley,
So so easy, and great policy.
By Glen,
No policy cluster discount available
By Jacqui,
By Grant,
By Natalie,
By Natalie,
By Natalie,
By Richard,
By Katrina,
Value
By kathy lee,
Ease of use
By Tracey Leigh,
Easy and great pricing for the cover
By Duane,
By Jill,
Very easy to work through online and the pricing is good.
By Barb,
By Kelly,
Easy to use, no hassle claims
By Tracey,
Great service - quick and easy over the internet - tailored for investors. Great support at helpdesk with any queries.
By Graham,
Easy to operate systems, good communication with claims.
By John,
Very easy to insure and pleasant staff.
By Eshal,
By Chris & Ange,
By John,
It has worked well for me and the website works well too.
By Janet,
Because you are awesome
By Armin,
Because it's easy to set up insurance and we know Rene :)
By Wayne,
So easy to renew or alter insurance details.
By Chris,
Painless
By Jasmina & Daniel,
This process has been very simple and the team has been very prompt and helpful. Great start!
By Julie,
Makes insurance easy to renew, good service team.
By bruce,
Very easy to renew our insurance on our rental property’s
By Velda,
Hassle free insurance and very good communication
By Phillip,
Its quick easy, and best of all cheaper than most of your competitors
By Brenda,
So easy and no waiting on hold on the phone for hours!
By Aisha,
It's easy, and the language used to explain things is clear and understandable.
By Barry,
Great policies, good value & great service.
By Geoff,
By Mark,
By Michelle,
By Rachel,
By Vettivel,
By Stephen,
Easy, straight forward process and good value
By John & Diana,
Excellent service so far. Thank you.
By Arteshar,
Great service, great helpful staff, easy to use site.
By Kenneth,
By Robyn,
By Linda,
Efficient and easy to use.
By Lisa,
Value for cover and easy user friendly website!
By Thomas,
Quick Easy and reasonable pricing
By Anthony,
Initio have given me excellent service and I have referred a few people.
By Jacobus A,
Excellent quick and thorough service, easy-to-use and comprehensive website. Great.
By Aaren,
By Jo,
By Lynnette,
Very easy to use. Covered my property which other insurers wouldn't cover it because it is 5 units. However wanted to do monthly payments using AP but only Visa option so did annual.
By Alastair,
Very easy to do online and if I had a question you answered the phone when I called
By Anna,
Good service, good price, good cover.
By Mark,
Competitive rates, comprehensive cover and easy to arrange online.
By Rachael and Geoff,
Easy to renew online :-)
By Pam,
As always have stated the ease of taking out a policy. But sadly now I am having to add that I have had to claim on a rental property and after an initial hickup and being very stressed out, have found that they are handling this situation with compassion and understanding and it is certainly making the horrific process of damage and loss so much more bearable with their help and support - although we are a long way off completing the clean up and repair (which is quite extensive) am so so so happy that I chose Initio and am no longer with my old insurance company! Thank you Initio!
By Coral,
Love the dashboard and easy way to renew policies
By Helen,
Really user friendly system
By Aaren,
Quick and easy
By Aaren,
Quick and easy
By Janet,
Excellent, fast, easy
By Vettivel,
By Dara,
Very quick and very easy - love the online access - thanks very much
By Wayne,
Nice and simple to deal with, No running barefooted over hot coals to be approved with Initio! Wayne
By Stephen,
Nice quick and easy process and was able to answer last minute questions from the very helpful Suze on the Chat function. Thanks.
By Glenn,
Pretty damn easy to sign up and a great deal for a property investor. Only challenge is remembering any claims you've ever made in the last 5 years! You never have that info on hand! Otherwise, great work.
By Philip,
Value for money.
By Duane,
By Michelle,
By Simon,
great easy process.
By Simon,
Great so easy to insure a property. Very transparent process.
By Babar,
Friendly staff, reasonable quotes, easy to get quotes online. Any future possibilities of doing car insurances just like home insurance, if possible.
By kerry,
i am happy with the service, the monthly payments are a little over the top compared to annually, more so than other insurance companys
By Richard,
So simple, so convenient and saves me time & money - thnks
By Grant,
Blow by blow the best value you’ll get.
By Wendy,
Website easy to use. Recommended by PIA.
By Nick,
Simple, easy, transparent insurance with great rates
By Dennis and Barbara,
Easy to set up or renew, love it being done online.
By Gavin,
Good service at competitive prices. Policy for rental properties includes malicious tenant damage and gives good cover for residential property investments.
By Billie Sue,
Super easy to deal with even when I had to put in a meth claim. Highly recommend for other landlords.
By Robert,
Price
By Stephen,
Long time client of Initio and the insurance is convenient. Yet to see how it is when making a claim?
By Loralei,
Easy payment options
By Rebecca,
Easy to use and friendly service
By Armin,
Because it's easy being on-line and after meeting with Rene feel comfortable that the policy covers us adequately.
By Andrew,
By Tania,
Great customer service, thank you.
By Alexander,
By Alexander,
By Alexander,
By Joanne,
Very easy website to use. Recommended by others. Good price.
By Jeffrey,
Great service, efficient, good cover.
By Louisa,
Very easy to do online, no need to call anyone, quick and fast.
By Lorna,
Easy to purchase and we have had a claim that was taken care of very promptly.
By Diane,
Its so easy and the premiums are great value. Ive insured two homes with Initio now and Ive not had any problems to date.
By Murray,
Quick and cheap
By Trudy,
Easy to use. Inexpensive.
By Kevin,
By John & Diana,
Great service and price. Thanks.
By Nina,
Great service! It's simple, very transparent and great customer service with claims.
By Richard,
By Pam,
Fabulous - Brilliant easy to use website that is clear and very easy to navigate! Keep up the great work - just wish I could insure my vehicles with you too!!!!!
By Pam,
Fabulous! best annual fee's and such an easy site to use!
By Philip and Rosemarie,
Easy to deal with and competitive prices
By Anson Antony,
By Pankaj,
Cool
By David,
Easy, fair price, no mucking around.
By Dale,
By Brian,
Easy to do
By Joanne,
It's just easy!
By rachel,
great service
By Thomas,
Easy as
By Roger,
Easy
By Christa,
This is without a doubt the easiest and most user friendly insurance on the market - and the best priced. Thanks!
By Chris,
Nothing you can do about it I guess, but we are still pretty annoyed at what took place with our first and only claim a couple of years or so ago when we had a tenant deliberate damage claim, and the insurer tried to avoid the claim by telling us each individual hole was a separate event attracting the excess in each and every case. This to us was an act of absolute bad faith, and effectively rendered the tenant damage cover completely unclaimable. We may have battled our way to having the excess applied per room instead, and very begrudgingly worn that, but as honest and careful landlords that experience leaves a bitter taste in our mouths to this day.
By Janet,
Quick, easy, reliable
By Tania,
So easy and much cheaper than another quote I had.
By Stephen,
It is a simple process and I have been with Initio for at least 5 years possible more?
By Roger,
Everything about applying was very straightforward
By Fwu,
Competitive premium, easy online process!
By Mark,
Competitive premium
By Ian,
Competitive, easy to do.
By Mark,
Having assembled all the documentation prior to lodging the claim, such as the police report number, photos and a quote to fix - the claim was accepted and paid out all on the same day. This is efficient beyond words.
By Emily,
easy to deal with via phone and online
By Bronwyn,
Provides specific insurance cover for rented or less occupied houses (e.g. the Bach)
By Elizabeth,
Easy to do, staff responsive to any queries.
By Daniel,
By Karl and Florah,
Paid our insurance online. Very efficient, easy to use and great value for money.
By Gib,
Ease of Use, promptness of information, never had any issues with Initio. Love it!
By Clare,
By Clayton & Lorraine,
Good value for money, easy to use online.. clear and concise. I have had good customer support dealings and good claims handling (even though things did not go my way - process appeared to be fair and transparent)
By Barbara and Terence,
You are easy to contact and discuss any problems we might have. You always email us to let us know when premiums are due- thanks for that.
By john,
By Philip,
By Wolfgang,
Claims service was caring and professional. Can't ask for more.
By Christopher,
Love the online site, ease of doing business, and very good pricing and coverage options.
By Jeffrey,
By Janine,
Price and ease of arranging cover
By Reg,
easy to renew and very competitive price wise
By bruce,
Easy to use, competitive
By Adrian,
Easy to renew, but premiums are too high.
By Aaron,
By Brendan,
Cheap, good
By Alma,
Provides the cover that I want. Very easy to deal with. Prompt replies to emails.
By Rupert,
Easy to renew, but not the most competitive in terms of price, will probably switch next year unless you reduce prices.
By Wendy,
Quick and simple and designed for landlords.
By Vicky,
Great price and service
By Alan & Andie,
Speedy, efficient and aimed at landlords. Sweet and simple.
By Stephen,
Great value and very easy to organise.
By John,
Fantastic service from Angela Baker, made leaving our old insurance company of 13 years a no brainer!
By Darwin,
This is my 2nd time using Initio in 2 months to insure a new property and its so fast and easy.
By Graham,
very simple to manage and competitive cost
By Wayne,
Quick and simple with Property Investors discount
By Daryl,
By Chris & Ange,
By Kelly,
Super-easy to take out the policy online!
By Cathy,
I own a couple of rental properties and it is so easy to renew these policies on line and the information required is simple and straight to the point! I can print everything off I need to keep at the time in terms of invoices and receipts. This reduces mail that has the potential to get lost. The whole process suits my busy life. It literally takes less than 3 minutes and I am set for another year. I love it!
By Coral,
Easy to do online, great value as well and beneficial having a dashboard too.
By Graham,
Simple online process to insure or re-insure
By Kevin,
By Stephen,
So far so good. Very easy process and great pricing.
By Michael,
By Steve,
By Patricia,
Easy to do online
By Sabine,
It is great value for money and has all the calculators to find out the right replacement value in place. The format is easy to follow. It does not take a lot of time to set up the insurance.
By Roger,
Fast, easy cost efficient online insurance with simple to understand cover that provides a benchmark year after year for the minimum standard of policy coverage and service delivery all property investors should be able to expect from their insurer. Excellent product, service & concept. We recommend all our clients consider initio.
By Lynda,
You have recently paid a claim for me - easily and without any hassle
By Glenn,
this is insurance made easy
By Michelle,
By Simon,
Cheap kiwi made insurance for kiwis by kiwis for rental properties
By Andrew,
By Michael,
Easy on-line management of insurance cover and claims. Have had two claims over a number of years and been very happy with how these were handled.
By Garth,
I like online site, the dashboard, and the ability to play with the cover to see how it affects the premium. also no need to spend 20 minutes on the phone every time. as I have over 40 policies, i need to have a fast contact point..
By Abraham,
Easy to deal with. Easy to renew. Great service.
By Ross James,