Specialist Cover for Your Home

When you insure your own home and contents, it needs to be cost effective and easy, but most importantly it needs to be right!

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Easily buy house and contents insurance online and enjoy some of the best policy coverage and pricing.

The initio combined house and contents policy provides you with extensive cover for the house itself and your personal contents. But we’re flexible too, so if you only want to insure your home, that’s ok with us.  As we are all about houses, we won’t insure contents by itself so if you are a renter – sorry we are not for you.

We often get asked about insuring jewellery. If you take out a contents policy our jewellery item limit means that jewellery items worth under $3,000 are covered automatically so you only need to specify items of jewellery and watches with a value of more than $3,000 each.

Here are some of the great features of the initio home policy

Comprehensive House Insurance

Cover up to Sum Insured
Excess is your choice of
$400 / $650 / $1,150 / $2,000

Alternative Accommodation

Covered up to 52 week and $20,000

Breakage Extension

$250 Excess applies to glass claims

Retaining Walls

Included up to $25,000

Recreational Features

Swimming Pools, Spa Pools and Tennis Courts
Included up to $45,000

Hidden Gradual Damage

Covered up to $3,000

Owners Legal Liability

$1 million of cover
Includes Bodily Injury and Defence Costs

Natural Disaster

Includes EQC Cover
Plus top up to the replacement value

Here are some of the great features of the initio contents policy

Replacement Contents

Cover from $60,000 - $220,000
Excess is your choice of $400 / $650 / $1,150 / $2,000

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


How likely are our customers to recommend initio?

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,
Easy!
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.