Home & Income Insurance

Protection for the home and the additional space or unit you rent out.  Covers specifically designed for the various types of home and income properties

Own Home & Income Home & Income Rentals Home & Income Multi


Home + Income insurance designed for New Zealand's property owners

Its simple and uncomplicated insurance. The most common home and income property requires two insurance policies. But we’ll guide you through what combination of policies you need to insure your Home and Income property.

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.

  • Trusted by the best

    Initio is the selected insurance partner of the NZ Property Investors Federation, so we insure New Zealand’s leading landlords.

  • We Know Property – we’ll let you know what you need

    We are all about houses.  See below to match your particular situation with the covers we recommend.

Landlord insurance – from the Initio CEO


Own Home and Income
(insure with two policies: home & contents + Landlord)

This is your own home, where you live, and you have another unit or dwelling on the property that you rent out

Common Questions about Own Home and Income

–  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)


Home & Income Rentals – detached
(insure with two policies:  Landlord cover + Landlord cover)

This is the equivalent of two separate rentals.  The home & income is on the same property but the units are detached.

Common Questions about Home and Income Rentals

– A property with two homes; where the main home is rented, and you have seperate tenants in the granny flat.

– A property with a home and a standalone studio; where the the home and studio have seperate tenancy’s.

– A property with a flat over the garage; you have tenants in the home and other tenants rent the standalone garage and flat.

 


Home & Income Rentals – attached
(insure with one policy: Multi-Unit Rental Property)

Attached by a roof, deck, carport, or immediately next to each other.  Insure the home & income on a single multi unit policy

Common Questions about Attached Home and Income Rentals

–  A two storey home; where each floor has a seperate tenancy.

– A property with a home and attached studio; where the the home and studio have seperate tenancy’s.

– A duplex townhouse; that is rented to tenants.

– A 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.

– A multi unit complex; where you rent out all of the units to individual tenants.


Your Own Home & Contents Insurance Policy Features

Full comprehensive insurance the properties

Full cover up to the house insured value
Excess is your choice starting from $400

Accidental Damage

Full cover up to the house insured value

Alternative Accommodation

Covered up to 52 weeks and $20,000

Natural Disaster

Full cover up to the house insured value
(includes EQC cover)

Breakage Extension

$3,000 Cover

Hidden Gradual Damage (eg a leaking pipe)

$30,000 cover
(Excess $2,500)

Owners Legal Liability

$1 million cover
Includes Bodily Injury and Defence Costs

Replacement Contents Cover (new for old)

Your choice of $60,000 - $220,000 Cover
Excess is your choice starting from $250

Secondary Property - Landlord & Multi Unit Policy Features

Full comprehensive insurance for the additional unit/property

Full cover up to the insured value you choose
Excess is your choice starting from $400

Accidental Damage

Full cover up to the insured value you choose

Loss of Rent - following property damage

Covered up to 52 weeks
Cover from $20,000 to $80,000

Long term of short-stay

Covered for both types of use.
So long as when renting for Short-Stay (eg AirBnB) the unit / secondary dwelling is used by you as part of your property.

Landlords Contents

$20,000 included for free
Ability to increase up to $60,000

Deliberate Damage by Tenant

$25,000 cover

Meth Contamination

$30,000 cover
(Excess $2,500)

Natural Disaster Cover

Full cover up to the insured value
(including EQC cover)

General questions about Home & Income Insurance

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 and receive an 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 its 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

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

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 is a premises that is 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.

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.

Here what our existing customers are saying?

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,
By Geoffrey,
By Anthony,
Competitive Premiums.
By Paul,
By Glen & Melanie,
Ease of working through the process.
By Geoffrey,
Excellent all round service.
By Wayne,
Sometimes I want to talk to a person to clarify things. This is especially important with insurance. Insurance companies have a reputation of avoiding claims despite the best efforts of the insured to provide that they think is the right information.
By Wayne,
I would like to talk to some rather than 'chat' via 'leave a message'. Insurance companies have a reputation of avoiding claims despite the best efforts of the insured to provided the 'necessary' information.
By Barry,
I am a huge fan of Initio because your policies are great, your service is impeccable and the renewal process or adding a new policy is so simple. I recommend you on a regular basis without hesitation.
By Roslynne,
Competative premiums and ease of use online.
By Ani,
Fast & easy
By Claire,
The two claims i have had with Initio have been dealt with efficiently and professionally and a great outcome under a stressful situation.
By Peter,
By Hayley-Jane,
Easy. Very competitive premiums for better cover.
By Trudy,
Price competitive. Easy website. Good communication. More peeple should know about initio.
By Farideh,
Ease of completing policy cover online, price to insure
By Anthony,
Competitive Premiums and convenient online system.
By Mark,
Economical, easy to check details online, easy people to deal with
By Graham,
quick and simple - cost seems very competitive still - good for multiple properties as can monitor on dashboard
By Catherine,
By Kevin and Julie,
Easy so far.
By Lindsay,
You're just Better !
By Joanne,
So far ... so good!
By Steve,
Great product, excellent price and extremely simple process
By Lena,
By Penelope,
easy to use, friendly helpful staff
By Paramjit,
By Shaun,
By Sheree,
Good prices! and the website if very user friendly, thanks Initio!
By Jared,
By Tracy,
It is easy to use and claims are settled in a timely fashion
By Michael,
By Sam,
It is cheap. Easy to deal with. Covers both rental and private properties as well as contents cover. Includes cover for meth.
By Brett,
Easy to use and renew, excellent policy pricing.
By Paramjit,
By Ray,
Overall excellent claim service, thank you
By Rica,
Easy to use website/dashboard (mostly) and good premiums for level of cover
By Duane,
By Simon,
so cheap and easy to insure house and especially for a rental property. thanks
By Deborah,
Price plus excellent customer service.
By Wolfgang,
Convenience, price, communication.
By Barbara,
Good pricing, easy to use website. Main downside for landlords is not being able to insure properties in the Wellington area.
By Elizabeth,
Easy to put in place, good value as premium slightly less than comparable product.
By Lindsay,
Awesomely easy and quick to renew insurance. Great underwriter and high rating. Thanks guys. Lindsay.
By Jeremy,
Cost effective and convenient
By Cheny,
By Shelley,
Love the ease of the online applications!
By Bruce,
Easy web site, renewal fine good support information
By Roger,
By Sandy,
Offered an appropriate product for our needs which also incorporated some choices that could be used to adjust cost. Easy application and renewal process.
By Dan,
It's easy. Good photo Rene. :)
By Richard,
Because of suze
By John,
By Brian & Glenda,
Recently had a claim with Initio and they were fantastic. Great communication and they paid out in one day.
By Ranjeeta,
By Davina,
Excellent call center service. great product at a great price.
By David,
By Oliver,
Your UX (User Experience) online is easy and really clear. I was sketchy on the Account to Account thing though, not usual for 3rd party sites to ask for your bank username and password. I had to check with them it was legit.
By Brendon,
By Philip and Rosemarie,
We have just placed our fourth rental property policy with Initio and continue to be very happy with the cover, service, and good value.
By Andrea Rose,
By Hayden,
Easy
By phil,
By Daniel,
best cover/value for money
By Jeffrey,
By Heather,
Price and value for money
By Jenny,
Good insurer
By Stephen,
quick and easy... thanks
By Abraham,
Great Price and service
By Karen,
Easy to use, quick response thanks
By Ian,
convenient and competitive
By Keith,
I've always had good service from you and most importantly at a reasonable price
By David,
I have always found Initio easy to use and were confident to recommend to others based on pricing when compared to other providers. I've just renewed a policy for this year and the premium (excl levies) has increased 36% on last year.$290 to $395.35 It seems excessive without an explanation.
By Aneta,
Friendly NZ staff! Don't need to deal with offshore call center people I dreaded calling for any policy help or changes as each call would last about 30-45 mins and then I'd have to call back as mistakes were ALWAYS made by the call center person, better pricing than State, Easy online quoting system, Endorsed by GRA.
By Janet,
Excellent, quick service. Thanks
By Martin,
By Lorna,
By Robyn,
convenience and friendly way of communicating.
By Shelley,
Have NEVER been able to buy insurance like this before. Super easy. Only thing is that there is nowhere to tell you that the 2 houses on this property were built in different decades. 1969 and 1990.
By Jonathan,
By Joan,
By Paul,
Easy, you insure our bach with no issues. However, must say it has gone up quite a bit this year hopefully not next year as will then shop around again. Many thanks
By Kushil,
It was breeze to renew the policy
By Dmitri,
happy returning customer
By Graeme and Heather,
Ease of applying, more cover and slightly cheaper premium
By Joanne,
Great price and easy to use website
By Tonij,
It easy to get a quote and apply. And cheaper than other broker. Thanks.
By Dmitri,
HAPPY RETURNING CUSTOMER Thank you for great service and ease of doing business with you, not to mention unbeatable quotes. Keep up great work - this makes my business flow much easier.
By Beverley,
easy to use
By Vicky,
Eaay and cost effective
By Gareth,
By David,
By Kathleen,
Very affordable insurance.
By Adrian,
Easy to deal with, modern technology, competitive rates, excellent customer service and claims process.
By Katrina,
By Felix,
Good expriences with service, pricing, easy navigation on dashboard and claim processing is straight forward.
By Daniel,
excellent cover, best price
By Ann,
EASY! Because I had a valuation for the reinstatement estimate. YAY! And Suzanne answered all my questions and I needed to save money.
By Katrina,
Ease of use and cost
By Kirsty,
convenience
By John,
Easy to get a quote and also easy to pay.
By Mark,
All my dealings with Initio have been efficient, easy and friendly. The one small claim we have made was handled simply without any problem.
By Christine,
By Larissa,
By Aleysha,
Appears to be good coverage, good to deal with when a claim arises and easy to renew policy payments. Also appear to be competitive as compared to other insurance providers
By Bronwyn,
By Astaria,
Good prices, robust product offering, plus you guys were there for me when I needed to make an insurance claim. Was expecting misery and I was pleasantly surprised
By Glenn,
Lower cost, compared to other companies, and ease of purchasing insurance
By Anthony,
By William,
By Nicola,
By Velda,
People really nice Concept really good but website needs attention
By Anthony,
The cheapest and the best though not such a worry now the P is not such a problem.
By Robyn,
Great and easy to use
By Barry,
Your service is impeccable and although your rates are not as competitive as they once were, they're still acceptable at the moment. Hopefully now the P Lab scare is dwindling, Lumley will lower rates.
By Andrew & Jo,
I would give 4 stars if you allowed direct debit. Insurance is about peace of mind - but if I forget to pay a premium I’m left without a policy. If direct debit isn’t enabled next time we need to renew a policy we will look at alternative insurers. Aside from this, initio is great.
By Phillip,
Quick signup and simple
By Warren,
Prompt and professional claim service
By Lorna,
Our tenant has said the tradespeople were wonderful to deal with and they were amazed how promptly this claim was repaired.
By John,
Good value
By Colin & Carol,
By Lesley,
Cheaper and very Profesional
By Aaren,
Cheap and easy
By Graeme,
Easy to do business. Competitive rates. Claim handled promptly.
By mark,
Because I have never made a claim yet and don't know how fair and efficient you are.
By Ross,
Had no luck making a claim.
By Tracy,
By Stephanie and Stuart,
Easy to use website.
By Penelope,
My excellent experience with the claim team at Initio has removed the anxiety associated with approaching my insurance company when making any future claim.
By Kim,
By Robyn,
Easy to use and great prices
By Scott,
By Ian,
so easy to do, no sales pressure and very competitive
By Stephen,
By Jamie,
I was very stressed out to find my rental property had come back with a very high reading for meth, but I found making a claim with Initio to be very easy, and after speaking with the Initio claims manager I felt very relieved and reassured. The only criticism I would have with the process would be how long the loss adjuster took to do their part, which I do understand is somewhat out of Initio's control as they are a third party. I am generally happy with my claim experience overall and will recommend Initio to other people.
By Tania,
Because it is so easy!!!
By Coral,
Easy online application and the most reasonable premium I could find.
By Cathy,
it was so easy to insure a multi dwelling property
By Tracy,
By Adrian,
Very easy to buy and the claiming procedure was a great experience
By Philip,
value and specialized to holiday homes
By Sara,
Very easy to set up, without waiting or any mucking around
By Liza,
Easy, convenient
By Loralei,
GOOD COVERAGE INSURANCE. EASY TO PAY ON LINE
By Russell,
By Wayne,
Simple straight forward insurance without all the drama
By Kim & Karen,
Well to be honest with w policy riise from $910.36 to $1319.49 not totally happy. 40% increase.
By Paramjit,
By Mary-Anne,
easy to use, all online. easy claims process.
By Dmitri,
am a happy customer
By Nigel,
You made it so easy, and fast payment
By Janet,
Quick and easy, also a good price with excellent cover
By Richard,
Because so easy to apply and initiate the Policy.
By Wendy,
Quick and very easy to use website. Have already recommended Initio to a family member who has just bought a rental property.
By Julia,
By Trudy,
By Michelle,
This was relatively easy, but as this is a new policy I reserve complete judgement!
By Graham,
because seems expensive now
By Graham,