There are risks associated with being a home owner.  This is why you require a tailored insurance policy. Initio allows you to buy insurance online and enjoy some of the best policy coverage available.

Who are we

We are a New Zealand owned online house and contents insurance provider. While we are all about online, you can still get hold of us on the phone, you won’t get the run-around from a call centre, we personally answer our phones & our emails.

Who backs us

With the backing of New Zealand’s largest insurer you can rest assured that should the worst happen your property is in good hands.  Initio is underwritten by Lumley (IAG New Zealand Ltd). Learn more about the strength of this insurer.

Claim time

The value you see from your insurance policy is at claim time. Initio takes claims seriously and should you suffer a loss, we are here to make the process easy. You can lodge a claim online, but our team are here to help.

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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 such as Cordell.
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