Home and Contents Insurance

Protect your own home with insurance that puts you in charge.
Get an instant house and contents insurance quote and start cover all online.

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Home and Contents insurance NZ

We use technology to save you money on your house insurance

House insurance doesn’t need to be complicated, that’s why you can get a quote in seconds and insured in minutes.

  • Insurance for home owners

    Insurance cover for all the important stuff, including fire, storm, flood and earthquake and some extras like somewhere to live while we’re repairing your house and replacing your furniture.

  • Instant everything

    Instant home and contents insurance, no waiting for paper in the mail, manage your insurance and your claims from your personal dashboard anytime. Flexibility to change your insurance when you want, with New Zealand’s first Live Policy.

  • How it works

    Provide us some simple details about your property and we’ll give you an instant online quote.  If you want to start the cover just choose your excess and confirm your house & contents values.  We’ll ask you for some personal details before you make your online monthly or annual payment.   You are then insured by an AA- rated insurer.

House Replacement value calculator tool

Benefits of our cover – from the Initio CEO

House insurance benefits

Full comprehensive insurance for the house itself

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

Breakage Extension

$250 Excess applies to glass & breakage claims
regardless of the house excess you choose

Retaining Walls

$25,000 cover
(can be increased on request)

Recreational Features

Swimming Pools, Spa Pools and Tennis Courts
Included up to $45,000
(can be increased on request)

Hidden Gradual Damage (eg a leaking pipe)

$3,000 Cover

Keys & Locks

$1,000 cover
Nil excess

Blocked pipes

$500 cover
Nil excess

Owners Legal Liability

$1 million cover
Includes Bodily Injury and Defence Costs

Natural Disaster

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

Contents insurance benefits

Replacement Contents Cover (new for old)

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

One Excess per event

Your select excess applies per event
not per item.
Eg. A burglary of multiple items is one excess

Jewellery & Watches

Covered up to $3,000 per item
OR more if you specify the item.
Easily add items online


Covered up to $2,000 per bike
OR more if you specify the bike.
Easily add items online

High Value Items

Covered automatically

Home Office

Covered up to $10,000 in the home
and $1,500 away from the home

Legal Liability

$1 million of cover
Includes Bodily Injury and Defence Costs

Children living away from home

Covered up to $5,000
any one item limit $500

Overseas Travel

Luggage covered up to $5,000
While travelling in Australia & Pacific Islands

Contents temporary removed

Full cover
eg. Your belongings are stolen from you while
you are away from home

Frozen Food

Full cover
eg. If the freezer is accidentally switched off

Common questions about Home and Contents insurance

We will give you an initial guide to the replacement value of your house but you need to make sure you you choose an amount that reflects the cost to replace it with a new one.

You also need to include extra things like fences, driveways, and swimming pools. Include a provision for the inflation in the cost of materials and the cost to demolish and clean up the site. It is recommended that you use an online tool such as SumSure or obtain a valuation from a quantity surveyor such as CCC. See here for more information about a rebuild valuation.

Learn more about calculation the insured value of your home.

As we accumulate many contents items and personal effects over time it isn’t always easy to work out how much it would cost to replace everything.  One thing is for sure – its always more than you think.

The average 3 bedroom house has $105,000 of contents inside of it.  Couches, TV’s, Fridges, Clothing, Plates, Pens; it all adds up.
Also remember that its the replacement value of each item, so that TV of yours may only be worth $500 now but it could cost $2,500 to replace.  Make sure that when working out the total value of all your contents you use the ‘replacement cost’ as your metric.

With initio you can insure in bands up to $220,000.


Yes.  You can choose a house excess ranging from $400 to $2000, and you can choose a contents excess ranging from $250 – $2,000.
The higher the excesses you choose the lower the premium.   The most common excesses our clients choose is $650 on the house and $250 on contents.


No BUT, we do provide a set $250 excess for ‘Breakage Claims’ regardless of the house excess you choose.

So this means that a number of items are covered with a lower excess.  These include:
1. glass in windows
2. glass in doors
3. glass screens screens
4. sinks baths
5. wash basins
6. toilet bowls
7. shower cabinets
8. bidets
9. fixed glass lampshades
10. fixed mirrors
11. glass in built-in furniture in the home.

Once you are insured with us a certificate of insurance will be instantly emailed to your inbox. No delays, we use technology to save your time and money. You can amend and get a new certificate anytime through your initio dashboard.

Simply login to your initio dashboard and select the button ‘Make Claim’.  Answer some simple questions about the loss or damage and you are good to go.  In all cases of loss, its important to act as you would normally if you were not actually insured – then let us know as soon as you can and we will pick up the pieces.
Everytime there is an update on your claim the status on your dashboard will update also.  You will also receive an email notifications as the claim progresses.   We are dedicated to making the claims process as quick and easy and possible

No issue.  The initio home and contents insurance still works well for you.
Meaning that if your flatmate causes accidental damage to the home you will be insured.  Just be aware that there is no cover if the flatmate causes deliberate damage to the home or contents, or steals your personal belongings.

The initio contents policy has limits on certain contents items such as jewellery and bicycles.  Jewellery that is not specified is covered for up to $3,000 per item and $15,000 in total for a single event.
If you specify the item you will be covered up to the amount you select.

During the insurance signup process you will be able to specify items that are greater than the policy cover.

You do not need to specify high values items such as TV’s, laptops, or furniture for example.  These are automatically covered as part of the total contents sum insured you select.  Even a $10,000 couch does not need to be specified.

Yes you still have cover for all the big things including any accidental damage the guest causes BUT there is no cover for any deliberate damage the guest causes to your home or contents, or any contents the guest steals from you.

How house insurance works

Its all about risk

Buying house insurance is the easiest way for a homeowner to transfer the risk of unexpected damage to an another party, specifically an insurer.  Its about swapping risk for some premium.

The insurer will base the house insurance premium on a number of factors including location, age, water supply and use of the property.  The homeowner can also modify the premium by choosing how much personal contents cover the excess they can live with.

Learn more about what goes into determining a home insurance premium with this insurance quote check checklist

How much do I insure my house for?

Insurers will put a limit on what they are prepared to pay.  So the homeowner needs to get it right to avoid any financial exposure.

Most insurers require the owner to set their own level of insurance for the house.  The customer needs figure out what it would cost to rebuild the house, the land improvements (such as driveways, fences and pools) and allow for things like demolition costs and inflation.

A common mistake is using the market value or ratable value of the home to calculate insured value – this is not wise. Learn more about calculating the replacement value of your home.

What about earthquake insurance?

Most home insurance policies provide automatic cover for earthquake, with assistance from the EQC.

The Earthquake Commission (EQC) is a Government insurer designed to provide insurance for residential houses when there is a natural disaster.  The EQC does not provide insurance for damage from flooding or storm events, only earthquakes and volcanic activity. Part of a house’s total insurance premium ($230) goes to the EQC to provide up to $115,000 of natural disaster insurance. If the natural disaster causes more than $115,000 of damage the insurer of the house will pay for the rest, up to their sum insured limit. Learn more about the EQC.

What about other risks?

Good house insurance policies have additional benefits automatically included.

Sometimes referred to as policy extensions, these are benefits that are included in the policy such as alternative accommodation costs, covering the cost of the homeowner having to rent another property while repairs are completed.

Gradual damage, caused by leaking water pipes over a period of time, is also a common benefit.  Gradual damage often has a limit of cover, usually $3,000.
Learn more about gradual damage

How likely are our customers to recommend initio?

By Ian,
You are the best
By Glenn,
Easy and hassle free. Option to add/include special items. Competitive pricing
By Peter,
Huge savings on my policy and easy to do online
By Melvin,
Great and ease of service from Initio. Thank you.
By Dianne,
So simple and easy to arrange insurance; and a competitive premium - thank you!
By Nicola,
Simplistic - hopefully reliable!
By Sarah,
Easy process and prompt communication
By Maxine,
Very good pricing
By Gareth,
Good service and prices. The cost breakdown is useful, shows just how much this government is clipping the ticket.
By Jeremy,
Easy and simple to use!
By Christine,
Easy to renew. Good prices
By Michael Lawrence,
great reminders. competitive cost of policy and extensive inclusions
By Sarah,
By toni,
Not really sure; it was easy to get, lets hope you easy to deal with
By Nikolas,
Easy process - easy to navigate website and easy access to info - but most importantly competitive pricing.
By David,
By Leigh,
Competitively priced and easy to set up.
By Jeremy,
easy as to renew and update the policy! Keep up the good work team
By Rene,
By Ian,
About $600 less than what pic insurance brokers were going to initially charge me
By Jacquie,
seemed very straightforward to set up but not had any dealings yet so we will see if you're worthy of 5 stars!
My Daughter Pam Hanretty recommended me and tells everyone how wonderful your service is
By Paul,
By Lois,
Easy to deal with
By Joe,
Easy and straightforward to set up insurance
By Lisa,
So simple and quick to use.
By Mike,
Value for money and so easy.
By Julena,
Easy, simple, and I have control over how I insure ... thank YOU!
By Jacobus A,
So hassle free, easy to use, quick to update with instant communications! Not to mention the competitive premiums. Keep up the good work
By John,
Good value, easy to deal with. Simple.
By Morree,
Haven’t needed to use you, so can’t give 5 stars.
By Conrad & Jill,
Easy to deal with and very competitive
By Raewyn,
Simple to do, also love being able to play with the different boxes and see clearly how it affects premiums!
By Michael,
Process is easy, and communication is quick and informative
By Jane,
I have appreciated the flexibility of Initio, providing a policy to insure our house under different circumstances. Both when it has been used purely as our own home and when it has been used partly as a holiday rental. It was very simple to switch the house status from one to the other when updating the policy.
By frederik,
Great way to get insurance business sorted
By Anthony,
Best cover, best price.
By John,
By Matthew,
Best house insurance company in setting up and renewing.
By Nick,
By Kate,
Easy to renew online. Very user-friendly website.
By david,
Value for money, easy to do on line.
By Elizabeth,
easy to do and responsive to questions.
By Sophia,
Ease of use for the online application. Spoke to someone on the phone, very helpful and to the point information. Would recommend to others.
By russell,
It was so easy
By Craig,
Simple website to use Really good cheap policies
By Brenda,
awesome & so easy
By Lisa,
By Liam,
Love being able to do everything online.
By Sam,
Cheap policies, easy to deal with but mainly the comprehensive cover for rental properties.
By bruce,
Very easy and quick to renew our policy
By Joel,
Ridiculously easy and provides what we need.
By Wendy,
Easy to do, highly rated company
By Ezra,
Quick, easy and is better priced than our last insurance company.
By Janet,
Excellent customer service, online dashboard easy to manage with instant information to access.
By Neil & Margaret,
By Nathan,
Very easy to use
By Mark,
Because you are easy to deal with!
By Michael,
Decent prices
By Stephen,
Simple wording, by having a rapid quoting system- there is less wriggle room for both sides. Basically when I last read the policy, it seemed straight forward and fair. I have not reread it since then such is the level of confidence it inspired
By Alan,
Super easy and great value.
By Murray,
Always easy and simple and clear.
By Pam,
You guys ROCK!!!! I was happy with your service (as you can actually speak to real people when you need to!) but your online system is fantastic! I also sadly had to have a pretty big claim with you when I had fairly recently changed to your company for my insurance needs - and was just totally blown away with the efficiency and professionalism of how you handled it all! Keep up the fantastic work - and I cant wait till you do vehicle cover too!
By Geoffrey,
Great to deal with!
By Michael,
So easy to review and renew a policy
By Randi,
Because of the detail you requested to insure our property. Many insurance companies do not state all that is required upfront but instead place it in the small print. Once you were sure our property met your requirements insurance was easy. Thank you.
By Phillip & Victoria,
By Troy,
Ease of use on website and competitive pricing
By Catherine,
Very east and straight forward, and very competitive pricing compared to other quotes I received
By Stuart,
Easy to understand and low cost home and contents insurance
By Kathrine,
Easy to fill in forms, no stupid “need more info, contact us”. Instant answers.
By TeRina,
very easy and straight forward!
By Peter,
stuffed up visa payment system
By Nick,
That was far too easy! Great price (relative to my prior policies) too!
By Craig & Robyn,
Setting up a policy all went well. Can't comment on claim process yet.
By Michael,
By Jeremy,
By Lena,
By Kaye,
great you have the option to pay monthly now, thanks.
By Madawi,
By Nicholas,
Quick, easy and very competitive premium.
By Andrew,
Pretty easy to get a quote and buy insurance.
By Chris,
Quick and easy! Cheers Initio
By Samuel,
By Graeme,
Easy to renew policies and when I made a claim it was handled quickly and well.
By Jackson,
So easy to use! So far so good:)
By Gavin,
Good cover for a competitive price and easy to renew and update as everything is online.
By Samuel,
By Lionel & Robyn,
The process is so quick and easy
By Karen,
You were recommended by my Mortgage Manager and the whole process was very simple with competitive rates
By Anthony,
Very satisfied.....uncomplicated
By Vivek,
Value for money and comprehensive policy. 5 Stars!
By Anthony,
Value for money. Convenient. Comprehensive Cover. Competitive.
By Elliot,
Great easy way to get a quote and to buy insurance. No hassle easy to follow instructions. Premiums are competitive and miles better than the insurance company that I had been with for nearly 30 years. Initio answered the phone in an appropriate time when I was making an inquiry, and a salesperson returned a call promptly when they were required. Cheers. Many thanks.
By Hongze,
By Adam,
Simple and reasonably priced
By Philip,
Haven't had any issues yet but very easy to sign up and good price. It would be great if there was also no claims bonus or some way of reducing the contents insurance i.e 30,000 value not just starting at 60k or none.
By Deanna,
Simple, easy, logical and competitive
By Geoffrey,
Great to deal with!
By Gareth,
great service, friendly and helpful staff, prices
By William,
By Judith,
Just as easy as the first one. Wow.
By Judith,
For an old girl like me you made it really easy, thank you
By Leslie Brian,
Online Insurance Cover is easy and convenient and the Hamilton contact is excellent when we have needed to contact Initio for queries, etc.
By christopher,
if is affordable and easy website to navigate.
By David,
Easy to understand, intuitive and competitive price. Thanks.
By David,
Easy to insure. Reasonable premium.
By Andrew,
Easy to deal with
By Michael Lawrence,
Easy to renew, competitive, friendly!
By Philip,
All information is readily available and very easy to update or choose additional cover if needed.
By christine,
By Grant,
By Jordan,
By Brian & Glenda,
Fabulous service
By John,
Like the service, and also liked the 6 month inspection which you now changed to three months unfortunately.
By Genjun,
By Lili,
Very simple and intuitive website.
By Caraline,
Easy peasy
By Carl,
Nice easy sign up. Good price. Dashboard is fantastic.
By Lisa,
By Aaren,
By Anthony,
The right policy at the right price plus you have been excellent when it comes to making claims
By Esther,
User friendly site, reasonable pricing, caters to holiday rentals.
By Suzanne Anette,
So far I have no reason to complain about anything.
By John,
By Josh,
When it comes to making a claim, Initio have amazing customer service. They were extremely helpful every step of the way.
By Catherine,
Good website layout, well written documents, good price.
By Craig,
Good pricing, simple site to use, quick and easy.
By Joanne and Jason,
Easy, but would like to deal with a person when insuring such an important item.
By Liam,
The online process is really easy.
By Janet,
Easy to navigate website, friendly informative staff with quick responses. Suze Ferry is excellent to deal with.
By bruce,
Ease of service
By Quinton & Wendy,
Good bastards
By Vivek,
By Simon,
Great price and good service.
By Murray,
Easy, quick, simple
By Pam,
Brilliant!! Saved me lots - now have 5 policies with them - so simple and straight forward
By Srikrishna,
Easy and hassle free insurance quote through to buying. Highly recommended
By Nicholas,
By Nancy,
Site was easy to get around. I have already recommended for another house.
By Beryl,
Just insured our new build through your website (via NZPIF) and what a breeze! Thanks. Awesome service.
By Luke,
Quick and easy signup process, rates very competitive ... I hope I never have to claim but if I do I hope the service will be superb :)
By Steve/Trish,
Always found easy to deal with and we have past and currently several policies with you.
By Lena,
By Gail,
Easy to follow the instructions to re-new the policy and I recently had a claim due to power fluctuations. There were no issues or delays on your part and the money was in my bank within one week after the claim was made.
By Jiri,
EASY DONE - awesome to renew, hopefully claim will be also easy if I ever need it ;)
By Michael,
By Rob,
Super quick and user friendly site, and initio include the things that really should be insured.
By Lionel & Robyn,
Very easy to update details and renew policy
By Joanne,
So far ... so good.
By Shirley,
Easy, also Initio dealt with our Kaikoura earthquake claims in a professional manner, and there were no hassles.
By Anthony,
Seems easy and efficient. Never had to make a claim and hope that to continue
By Dominic,
Saved me money, and was relatively easy
By thomas,
Easy to do and price competitive
By Robert,
Easy on line renewal
By Lee,
Easy to use online service, great prices and have already recommended to others.
By Glenda,
I lodged the claim online late at night and was advised by 10am the next morning that the money was in my account. This was way beyond my expectations and allowed me to buy a new phone immediately. I have since told a number of people about my experience with Initio. I was very happy with the prompt service. I found out about Initio because it is recommended at Property Investors Palmerston North. It gives me great cover for a reasonable price. Thank you.
By Roger,
After 4 or 5 years as a client Initio is still the simplest insurer to deal with and has overall the best package to suit our needs.
By Leslie Brian,
By Karen,
Cheaper. Have sent the info on to my 2 sons who own houses!
By Bill,
By Jeremy,
Best value for money, compared to my previous provider. Also really easy and clear when signing up!
By John,
Great service from Suze Ferry
By Grant,
By Dmitri,
Happy customer
By Gordon and Carol,
On line policy prices are getting too expensive and we will be checking else where to see if we continue with Initio
By Caraline,
Covientient and much cheaper than other insurers
By Tony,
I was very pleased with the whole claim process.
By Paul,
Simple, understandable, low premium
By Lisa,
because you are pretty good... but thankfully I have not had to make a claim .... then we will see ;)
By Paul,
I like that you are patient and that you were able to answer any questions that I had about the claims process. The claims process went smoothly which helped a lot when I was quite stressed over the house flood.
By Cathy,
Because Michael told me to - it was great though :) I just put a rental property and my own home through you guys online and you saved me over $1200 - thanks
By Paul and Leyette,
Easy renewal, reasonable premiums
By Alita and Jonathan,
By John,
Good Service.
By Craig,
Easy to obtain quote and then proceed with cover. Reasonable charges. Good response from Support.
By Joanne and Jason,
It's easy and Frank people are super friendly and easy to use.
By Lisa,
By Barry,
Always a pleasure to deal with and quick to respond to questions. Competitive pricing and easy to see what's due and pay via the online dashboard.
By Chris,
Very effecient and friendly staff. The online claim form is very easy to use and convenient. Claims were easy and payments were quick. Due to these reasons, I have just renewed my policy for 2018-19 with initio.
By Anita,
Ease of use and relationship with Bookabach.
By Jeremy,
Very simple and straight forward to use and very cost competitive.
By Jacob,
By Steve and Trish,
We have had several rental policies with you previously and currently still two plus now our private home and have always found all dealings excellent. We believe we have good cover for reasonable premiums.

Useful links

Guide to insuring your home

Since a home will probably be the biggest asset we own, we’ll need to protect it in case something unexpected happens. With most house insurance, it’s up to us to set our ‘sum insured’ – the capped amount the insurer would pay if our home were destroyed

Find out more at sorted


Understanding house and contents insurance

For most people, their house is their most valuable asset. As with all types of insurance, you have choices depending on what types of insurance best suit your needs, and how much you are looking to pay for that insurance.

Understanding house and contents insurance from icnz

What property buyers need to know about insurance

Your property is likely to be your most valuable asset, so it goes without saying that you’d want to insure it. If anything were to happen, like a fire or natural disaster, it can be hugely stressful both emotionally and financially.

Property buyers guide to insurance from Sorted

House fire safety resource

information on keeping your home fire safe. Checklists for reviewing fire safety, tips for creating an escape plan, things to look for both inside and outside the home, and information on smoke alarms and other fire safety devices.

Learn more about fire protection at home by Fire and Emergency NZ