Initio’s house insurance covers sudden and accidental damage to your home, including fire, flood, storm, and natural disasters. It also includes cover for legal liability if someone is injured or their property is damaged because of your home.
The policy comes with a range of automatic benefits like temporary accommodation, hidden gradual damage, keys and locks, blocked pipe clearance, and even support for sustainable upgrades if you’re rebuilding. Like all insurance, some exclusions apply – such as wear and tear, long-term vacancy, and illegal activity unless specific conditions are met. Read the full policy wordings

In most cases, you can get covered instantly. The entire process is online — just choose your policy, get a quote, and insure your home straight from the initio website. Your policy confirmation will land in your inbox within minutes, and you’ll get access to your own insurance dashboard to manage everything easily.

For most standard homes, cover is available straight away. If your property has unique features or falls outside standard underwriting criteria, the system will let you know if a manual review is needed. You can still submit your application, and our team will get back to you quickly.

Learn how our technology makes getting house insurance quotes quick and easy. 

It depends on what best means to you – but if you’re after a simple, flexible, and smart option, initio could be just what you need.

We’re built for property owners who want to get covered quickly, manage everything online, and actually understand what they’re paying for. Our house, contents, and landlord insurance is packed with useful benefits – no surprises, just clear cover.

To help you decide, we’ve put together a side-by-side comparison of initio and other insurance providers. It shows exactly what’s included, so you can see how we stack up.

House insurance isn’t just a box to tick – it protects your home (and your wallet) when the unexpected happens, like fire, flood, or sudden damage. Without cover, you’d be left paying the full repair or rebuild costs yourself, which can run into the hundreds of thousands.

Learn why insurance matters, how to keep costs down, and why it’s one of the smartest ways to protect your biggest asset. Read the full guide here

Yes, initio house insurance includes cover for natural disasters such as earthquakes, floods, and landslides, up to the sum insured on your policy.

From 1 July 2024, the Natural Hazards Insurance Act 2023 applies. Under this, the Natural Hazards Commission (NHC) covers the first $345,000 (including GST) of qualifying natural disaster damage. Initio then provides top-up cover for any additional repair or rebuild costs, up to your selected sum insured.

Flood damage to your home is also automatically covered by initio, with no contribution from the NHC required for the home itself.

For more details, you can visit the Initio page on natural disaster cover

No, the sum insured is not the same as what you paid to buy your house. 

The sum insured should reflect the cost to fully rebuild your house to its current size and standard at today’s building costs, not its market value or purchase price. This amount should also include the cost of rebuilding other structures like fences and pools, as well as demolition costs and a buffer for inflation. 

Choosing the right sum insured is important to avoid being underinsured. Learn more about how to calculate sum insured

It depends on things like your address, the rebuild value of your home, and what level of cover you choose. But with initio, you don’t have to guess.
You can get an instant price using our quick quote tool – no personal details needed, and no waiting around. Just enter your address and a few basic details about the home, and we’ll show you the cost upfront.
It’s fast, easy, and designed so you can compare and tweak your cover before you buy.

If you need just a little more information before making your purchase, we have plenty of helpful support articles at your fingertips. We’ve also written the five key fundamentals of house insurance, covering everything you need to consider when choosing a new policy.