Have peace of mind and relax, knowing you have a tailored policy that’s right for you. Enjoy some of the best coverage available, and get it instantly online – no fuss, no stress.

Landlords
Protect your investment with an insurance policy designed to cover landlords and their rental properties. Cover includes Landlords Contents, Loss of Rents and Deliberate Damage.
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Home & Contents
Comprehensive Replacement Home and Contents cover for your own home that includes all the extras.
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Holiday Homes
Designed specifically for your holiday home and contents. The policy can also be extended to cover you when your holiday home is occasionally rented out.
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Multi Unit Rental
Secure your portfolio investments and easily insure up to six attached units under one policy. Cover includes Landlords, Contents, Loss of Rents and Deliberate Damage.
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Who is initio?

Initio is a  New Zealand owned online house and contents insurance provider. We love being online, but you can still get hold of us via phone or email. What you wont get is the run-around from a call centre – we pride ourselves on personally answering our phones and emails. We’re setting a new standard for insurance; putting you, our customers, first.

Who backs us?

We’re underwritten by New Zealand’s largest insurer, Lumley, a business division of IAG New Zealand Limited. This means you can rest assured knowing that no matter what happens, your property is in good hands.  Learn more about IAG’s financial strength rating.

What happens if I need to make a claim?

You see value from your insurance cover when it comes time to make a claim, and that’s why we make it easy. At initio we take each claim seriously, and should you suffer a loss, we are here to help. You can easily lodge a claim online, but if you prefer email or phone support, our team is happy to assist. Find out contact details here.

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(square meters)
  
(Living area & attached garaging in square meters)
 
(Decking & detached garaging in square meters)

 
This figure is automatically generated based on the size of your property – it is not intended to accurately reflect the rebuild cost. You need to establish your Sum Insured, you may wish to use a valuer or an online calculator.
 
 
Means a traditional residential rental property.
Mean a multiple residential units or flats under the same roof.
Means a holiday home or your own home that you intend on using personally but is also rented out to short term tenants. Your own possessions are kept at the home.
Means a traditional holiday home or bach that you use personally. You may also let the property to friends and family.
Means a property that has been setup purely as a commercial enterprise for short term tenancies. You do not intend on using this property personally. If you do intend on using this property personally select "holiday home that's also rented out"
Means your own personal property which you live in