Landlord Insurance

All in one rental property insurance for landlords.  Insurance cover for the rental property itself and all the other landlord insurance risks including loss of rents, tenant damage, meth. Get an instant quote and start cover online.

Get instant quote   Policy benefits


Landlord Insurance Online

Landlord insurance designed for New Zealand landlords

Our landlord insurance provides protection for all the important events including fire, earthquake, flood as well as landlord risks such as loss of rent, damage by tenants, meth, landlords contents, landlords liability.

Download the policy wording for full details of cover

  • Trusted by the best

    Initio is the selected insurance partner of the NZ Property Investors Federation, so we insure New Zealand’s leading landlords.

  • Smart. Secure. Online.

    We use our technology to save you time and money, with features including instant certificate of insurance to your inbox and the ability to make changes to your cover in real-time with NZ’s only Live Policy Management. It also means that we can pay claims fast plus let you make claims and view their progress directly from your personalised insurance dashboard.

 

Understanding the benefits of our cover

Landlord Insurance policy benefits

House Insurance

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

Loss of Rent - following property damage

Covered up to 52 weeks
Cover from $20,000 to $80,000

Loss of Rent - eviction or no notice

Eviction for non payment - 6 weeks
Vacating without notice - 6 weeks
Prevention of access - 6 weeks

Landlords Contents

Items under 5 years of age
covered for replacement
Cover from $20,000 to $60,000

Major Malicious Damage

Fire & Explosion covered up to
the replacement value

Deliberate Damage by Tenant

Covered up to $25,000

Accidental Damage by Tenant

Cover up to Sum Insured

Meth Contamination

Covered up to $30,000
Excess $2,500

Natural Disaster Cover

Covered up to Sum Insured
(including EQC cover)

Recreational Features

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

Owners Legal Liability

$2 million of cover
Includes Bodily Injury and Defence Costs

Here are some of the many claims we've paid

A tenant's dog was left locked in the property.
A tenant's dog was left locked in the property. The doors, walls and carpets didn’t win the dog fight, but initio came to the rescue.
Leaking tap connection in the bathroom wrecked the vanity and particle board floor.
Leaking tap connection in the bathroom wrecked the vanity and particle board floor. The tenant worked this out when his foot went through it. Hidden gradual damage claim.
Fire in the laundry caused by an overloaded electrical multiplug
Fire in the laundry caused by an overloaded electrical multiplug. Fire service attended. Repair costs and loss of rent was covered while the property couldn’t be tenanted.
Meth lab in attached garage.
Meth lab in attached garage. Police raided causing more damage. Initio picked up the tab.
House foundations severely damaged by Canterbury Earthquake.
House foundations severely damaged by Canterbury Earthquake. EQC and Initio put things back in order.
Wind storm blew over front fence
Wind storm blew over front fence. Initio paid out and the landlord was able to replace it with a brand new one.

Here are some of the losses we don’t pay

Show tray leaks
Shower tray leaks over time and the tenant doesn’t let anyone know that the floor is squishy. hidden gradual damage has to be from a water pipe.
Wooden window sills rot and needs to be replaced.
Wooden window sills rot and needs to be replaced. Wear and tear is not covered. This is a maintenance cost not an insurable risk.
Tenants move out and leave the house untidy, including a large amount of rubbish to be disposed of...
Tenants move out and leave the house untidy, including a large amount of rubbish to be disposed of. Unfortunately there is no damage so there is no cover, the Initio policy is designed to cover physical damage or loss.
tenants hard on rental property
Tenants have been hard on the rental property. Carpets are worn with some stains, door handles need replacing, oven is not working, scuff marks on walls. We provide an insurance policy not a property maintenance policy.

This is not an exhaustive list and the list does not imply that all loss types described are covered or not covered. Claims are like butterflies, each very unique with its own set of facts that we need to apply to the policy.


Common questions about landlord insurance

Also known as rental property, landlord insurance is an insurance policy that specifically provides protection for property owners who rent a residential house out to a tenant. The existence of a tenancy agreement means that a landlord risk exists, and normal house insurance does not cover things like loss of rents and damage caused by the tenant. Learn more about landlord insurance.

With initio yes the house is insured too. Its an all-in-one house insurance and landlord insurance policy. It is not recommended that you buy a standalone landlord policy, these exist in NZ, and it means that you need to buy a separate house insurance policy with another insurer – this can cause problems at claim time.

Loss of rent insurance is loss of income protection. It pays the property owner the income they would normally get if the tenant was still in the property. Loss of rent is a key element of landlords insurance, and most banks make sure the property owner has this in insurance in place when they are providing a mortgage. There are two types of loss of rent, 1. loss of rent resulting from the property being damaged (eg fire) and uninhabitable. 2. loss of rent from a tenant leaving without notice, or being evicted. The initio policy provides automatic cover both with different payment limits. Learn more about loss of rents.

You will want to insure your rental property for the amount it would cost to replace it with a new one. You also need to include extra things like fences, driveways, and swimming pools. And you will want to add in 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 Cordell 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.

Get a quote online quote, answers a few simple questions (including the Bank you want on your certificate) and start your cover online. 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.

A tenant can only be held liable for damage if the landlord can prove that the deliberately caused the damage. A landlord cannot hold a tenant responsible for damage caused by accident, neglect, stupidity. Learn more about how the Holler v Osaki court case affects landlords.

As long as you have landlord insurance you are covered. If the tenant damages the property deliberately then the cover is limited to $25,000 per event. If its accidental (are arson or explosion by the tenant) then you are insured for the full insured value of the rental property.

Chose an insurance policy that specifically provides insurance cover for meth, and take the time to understand your obligations as a landlord so that meth cover remains in place. Almost every landlord insurance policy lists things that a landlord must do to in order to claim for meth cover. Initio provides $30,000 cover for decontamination and repairs for damage caused by meth, and loss of rents cover is also provided on top. Learn more about meth contamination and landlord obligations.

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

How likely are our customers to recommend initio?

By Wilson,
By Grant,
Ease of use and pricing
By Simon,
Cheap easy to renew easy to know whats covered.
By Salesh,
great service
By Rachel,
By Gordon and Carol,
Very fair and helpful pleasant staff
By Sandy,
Great easy service and i like that it is tailored for rental properties,.... but is starting to look very expensive, especially with the massive earthquake levy from the government. Also, it is hard to clarify if the excess applies to each item, as i have heard is the case with some policies from other companies - This is concerning as it potential makes the content insurance worthless. It would be great if this was immediately transparent without trying to plough through small print.
By Nigel and Nicola,
Easy to deal with. Make insurance simple, like it should be.
By Brett,
Fast /Easy / Competitive Pricing
By Kelly,
By Chad,
By justin,
Easy, quick and user friendly
By John,
Not satisfied with a recent claims process.
By Gary,
Easy
By John,
By Debbie,
Easy to set up . Will get back to you if leave a message. Competitive price.
By Debbie,
Very competitive easy set up .
By Riki,
Pleased with the value and range of coverage. Easy to deal with online and on the phone.
By Deborah,
It's easy & quick to insure online. Very impressed with the service. Excellent staff whenever I have phoned the 0800 number.
By Robyn,
By Robyn,
By Gregory & Gaylene,
Best price. Very simple online procedure for a 2 unit rental property. When I did have a query the service and response was excellent. Highly recommend.
By Ziguang,
By Darren,
By Andrea,
By Brian & Glenda,
Too Easy!!!
By Brian & Glenda,
It's so easy to use online
By Tania,
Easy and efficient and very competitive rates
By WECKE,
Easy to deal with.
By Lynette,
The premium is extremely good value for the cover you get. Staff are very helpful and pleasant to talk to.
By Brenda,
Comprehensive cover and easy to get quotes and organise insurance
By John,
Easy simple great
By Natalie,
By Kerstin and Antony,
Excellent , friendly and fast help..Thank you Suze
By Stephen,
Quick and easy and good value.
By Jenny,
Great service.
By Philip and Rosemarie,
Quick and easy, with good cover at a good price.
By Fleur,
Easy and quick
By anneke,
Fantastic online insurance...so easy
By Daniel,
Very easy to use and great visibility online
By Truc,
Great coverage, easy to deal with!
By Abraham,
By Pooi Chee,
Easy.
By Hawea,
Simple & easy online dashboard for all details, renewals & claims. Cover for lost rent & contents. Originally was the cost also.
By Allan,
Easy app to use. Competitive rates
By Raphael,
Great Price, broad coverage
By Rachel,
Great policy for good prices, can trust that prices are kept as low as possible. People friendly and helpful when you need them.
By Vicky,
By Daniel,
By Graeme and Heather,
By John,
Very good and easy to insure property
By Gareth,
Getting there, have a look at how European insurers quote for business
By Vaibhav,
Buying an insurance made simple!
By Roger,
Easy to obtain information eg. quote options and keeps running record of claims so I don't have to record separately. Administration is fast and straight forward. Policies cover all the essentials!
By Roger,
Easy.
By Dave,
Great Pricing and easy website to navigate
By Meredith,
Easy to manage online.
By Corinna & Jonathan,
Great cover & easy to renew
By Graham,
Easy to understand and usewebsite combined with good service for claims and you are a broker
By Rene,
I’m a landlord (and one of the Initio founders). Its so easy. I love being a customer. Built by property owners for property owners.
By Jeremy,
Value and convenience
By Michael,
Simple, No Automatic renewal, In comparison to others not too expensive
By Jill,
Excellent to deal with, helpful staff both on chat line and by telephone
By Sally and Brentyn,
By Alistair,
Easy to calculate premium, no waiting on phone, straighforward
By Lynnette,
So easy to renew / although we haven’t had to claim yet very impressed with ease to get quotes/ apply and obtain insurance!
By Andrew,
Easy to get insurance and very hassle free
By Andrew,
Very easy to get and hassle free
By Andrew,
Easy to do and hassle free
By Anthony,
Happy with the prices. Happy with the service.
By Michael,
Great so far!
By Shelley,
So so easy, and great policy.
By Glen,
No policy cluster discount available
By Jacqui,
By Grant,
By Natalie,
By Natalie,
By Natalie,
By Richard,
By Katrina,
Value
By kathy lee,
Ease of use
By Tracey Leigh,
Easy and great pricing for the cover
By Duane,
By Jill,
Very easy to work through online and the pricing is good.
By Barb,
By Kelly,
Easy to use, no hassle claims
By Tracey,
Great service - quick and easy over the internet - tailored for investors. Great support at helpdesk with any queries.
By Graham,
Easy to operate systems, good communication with claims.
By John,
Very easy to insure and pleasant staff.
By Eshal,
By Chris & Ange,
By John,
It has worked well for me and the website works well too.
By Janet,
Because you are awesome
By Armin,
Because it's easy to set up insurance and we know Rene :)
By Wayne,
So easy to renew or alter insurance details.
By Chris,
Painless
By Jasmina & Daniel,
This process has been very simple and the team has been very prompt and helpful. Great start!
By Julie,
Makes insurance easy to renew, good service team.
By bruce,
Very easy to renew our insurance on our rental property’s
By Velda,
Hassle free insurance and very good communication
By Phillip,
Its quick easy, and best of all cheaper than most of your competitors
By Brenda,
So easy and no waiting on hold on the phone for hours!
By Aisha,
It's easy, and the language used to explain things is clear and understandable.
By Barry,
Great policies, good value & great service.
By Geoff,
By Mark,
By Michelle,
By Rachel,
By Vettivel,
By Stephen,
Easy, straight forward process and good value
By John & Diana,
Excellent service so far. Thank you.
By Arteshar,
Great service, great helpful staff, easy to use site.
By Kenneth,
By Robyn,
By Linda,
Efficient and easy to use.
By Lisa,
Value for cover and easy user friendly website!
By Thomas,
Quick Easy and reasonable pricing
By Anthony,
Initio have given me excellent service and I have referred a few people.
By Jacobus A,
Excellent quick and thorough service, easy-to-use and comprehensive website. Great.
By Aaren,
By Jo,
By Lynnette,
Very easy to use. Covered my property which other insurers wouldn't cover it because it is 5 units. However wanted to do monthly payments using AP but only Visa option so did annual.
By Alastair,
Very easy to do online and if I had a question you answered the phone when I called
By Anna,
Good service, good price, good cover.
By Mark,
Competitive rates, comprehensive cover and easy to arrange online.
By Rachael and Geoff,
Easy to renew online :-)
By Pam,
As always have stated the ease of taking out a policy. But sadly now I am having to add that I have had to claim on a rental property and after an initial hickup and being very stressed out, have found that they are handling this situation with compassion and understanding and it is certainly making the horrific process of damage and loss so much more bearable with their help and support - although we are a long way off completing the clean up and repair (which is quite extensive) am so so so happy that I chose Initio and am no longer with my old insurance company! Thank you Initio!
By Coral,
Love the dashboard and easy way to renew policies
By Helen,
Really user friendly system
By Aaren,
Quick and easy
By Aaren,
Quick and easy
By Janet,
Excellent, fast, easy
By Vettivel,
By Dara,
Very quick and very easy - love the online access - thanks very much
By Wayne,
Nice and simple to deal with, No running barefooted over hot coals to be approved with Initio! Wayne
By Stephen,
Nice quick and easy process and was able to answer last minute questions from the very helpful Suze on the Chat function. Thanks.
By Glenn,
Pretty damn easy to sign up and a great deal for a property investor. Only challenge is remembering any claims you've ever made in the last 5 years! You never have that info on hand! Otherwise, great work.
By Philip,
Value for money.
By Duane,
By Michelle,
By Simon,
great easy process.
By Simon,
Great so easy to insure a property. Very transparent process.
By Babar,
Friendly staff, reasonable quotes, easy to get quotes online. Any future possibilities of doing car insurances just like home insurance, if possible.
By kerry,
i am happy with the service, the monthly payments are a little over the top compared to annually, more so than other insurance companys
By Richard,
So simple, so convenient and saves me time & money - thnks
By Grant,
Blow by blow the best value you’ll get.
By Wendy,
Website easy to use. Recommended by PIA.
By Nick,
Simple, easy, transparent insurance with great rates
By Dennis and Barbara,
Easy to set up or renew, love it being done online.
By Gavin,
Good service at competitive prices. Policy for rental properties includes malicious tenant damage and gives good cover for residential property investments.
By Billie Sue,
Super easy to deal with even when I had to put in a meth claim. Highly recommend for other landlords.
By Robert,
Price
By Stephen,
Long time client of Initio and the insurance is convenient. Yet to see how it is when making a claim?
By Loralei,
Easy payment options
By Rebecca,
Easy to use and friendly service
By Armin,
Because it's easy being on-line and after meeting with Rene feel comfortable that the policy covers us adequately.
By Andrew,
By Tania,
Great customer service, thank you.
By Alexander,
By Alexander,
By Alexander,
By Joanne,
Very easy website to use. Recommended by others. Good price.
By Jeffrey,
Great service, efficient, good cover.
By Louisa,
Very easy to do online, no need to call anyone, quick and fast.
By Lorna,
Easy to purchase and we have had a claim that was taken care of very promptly.
By Diane,
Its so easy and the premiums are great value. Ive insured two homes with Initio now and Ive not had any problems to date.
By Murray,
Quick and cheap
By Trudy,
Easy to use. Inexpensive.
By Kevin,
By John & Diana,
Great service and price. Thanks.
By Nina,
Great service! It's simple, very transparent and great customer service with claims.
By Richard,
By Pam,
Fabulous - Brilliant easy to use website that is clear and very easy to navigate! Keep up the great work - just wish I could insure my vehicles with you too!!!!!
By Pam,
Fabulous! best annual fee's and such an easy site to use!
By Philip and Rosemarie,
Easy to deal with and competitive prices
By Anson Antony,
By Pankaj,
Cool
By David,
Easy, fair price, no mucking around.
By Dale,
By Brian,
Easy to do
By Joanne,
It's just easy!
By rachel,
great service
By Thomas,
Easy as
By Roger,
Easy
By Christa,
This is without a doubt the easiest and most user friendly insurance on the market - and the best priced. Thanks!
By Chris,
Nothing you can do about it I guess, but we are still pretty annoyed at what took place with our first and only claim a couple of years or so ago when we had a tenant deliberate damage claim, and the insurer tried to avoid the claim by telling us each individual hole was a separate event attracting the excess in each and every case. This to us was an act of absolute bad faith, and effectively rendered the tenant damage cover completely unclaimable. We may have battled our way to having the excess applied per room instead, and very begrudgingly worn that, but as honest and careful landlords that experience leaves a bitter taste in our mouths to this day.
By Janet,
Quick, easy, reliable
By Tania,
So easy and much cheaper than another quote I had.
By Stephen,
It is a simple process and I have been with Initio for at least 5 years possible more?
By Roger,
Everything about applying was very straightforward
By Fwu,
Competitive premium, easy online process!
By Mark,
Competitive premium
By Ian,
Competitive, easy to do.
By Mark,
Having assembled all the documentation prior to lodging the claim, such as the police report number, photos and a quote to fix - the claim was accepted and paid out all on the same day. This is efficient beyond words.
By Emily,
easy to deal with via phone and online
By Bronwyn,
Provides specific insurance cover for rented or less occupied houses (e.g. the Bach)
By Elizabeth,
Easy to do, staff responsive to any queries.
By Daniel,
By Karl and Florah,
Paid our insurance online. Very efficient, easy to use and great value for money.
By Gib,
Ease of Use, promptness of information, never had any issues with Initio. Love it!
By Clare,
By Clayton & Lorraine,
Good value for money, easy to use online.. clear and concise. I have had good customer support dealings and good claims handling (even though things did not go my way - process appeared to be fair and transparent)
By Barbara and Terence,
You are easy to contact and discuss any problems we might have. You always email us to let us know when premiums are due- thanks for that.
By john,
By Philip,
By Wolfgang,
Claims service was caring and professional. Can't ask for more.
By Christopher,
Love the online site, ease of doing business, and very good pricing and coverage options.
By Jeffrey,
By Janine,
Price and ease of arranging cover
By Reg,
easy to renew and very competitive price wise
By bruce,
Easy to use, competitive
By Adrian,
Easy to renew, but premiums are too high.
By Aaron,
By Brendan,
Cheap, good
By Alma,
Provides the cover that I want. Very easy to deal with. Prompt replies to emails.
By Rupert,
Easy to renew, but not the most competitive in terms of price, will probably switch next year unless you reduce prices.
By Wendy,
Quick and simple and designed for landlords.
By Vicky,
Great price and service
By Alan & Andie,
Speedy, efficient and aimed at landlords. Sweet and simple.
By Stephen,
Great value and very easy to organise.
By John,
Fantastic service from Angela Baker, made leaving our old insurance company of 13 years a no brainer!
By Darwin,
This is my 2nd time using Initio in 2 months to insure a new property and its so fast and easy.
By Graham,
very simple to manage and competitive cost
By Wayne,
Quick and simple with Property Investors discount
By Daryl,
By Chris & Ange,
By Kelly,
Super-easy to take out the policy online!
By Cathy,
I own a couple of rental properties and it is so easy to renew these policies on line and the information required is simple and straight to the point! I can print everything off I need to keep at the time in terms of invoices and receipts. This reduces mail that has the potential to get lost. The whole process suits my busy life. It literally takes less than 3 minutes and I am set for another year. I love it!
By Coral,
Easy to do online, great value as well and beneficial having a dashboard too.
By Graham,
Simple online process to insure or re-insure
By Kevin,
By Stephen,
So far so good. Very easy process and great pricing.
By Michael,
By Steve,
By Patricia,
Easy to do online
By Sabine,
It is great value for money and has all the calculators to find out the right replacement value in place. The format is easy to follow. It does not take a lot of time to set up the insurance.
By Roger,
Fast, easy cost efficient online insurance with simple to understand cover that provides a benchmark year after year for the minimum standard of policy coverage and service delivery all property investors should be able to expect from their insurer. Excellent product, service & concept. We recommend all our clients consider initio.
By Lynda,
You have recently paid a claim for me - easily and without any hassle
By Glenn,
this is insurance made easy
By Michelle,
By Simon,
Cheap kiwi made insurance for kiwis by kiwis for rental properties
By Andrew,
By Michael,
Easy on-line management of insurance cover and claims. Have had two claims over a number of years and been very happy with how these were handled.
By Garth,
I like online site, the dashboard, and the ability to play with the cover to see how it affects the premium. also no need to spend 20 minutes on the phone every time. as I have over 40 policies, i need to have a fast contact point..
By Abraham,
Easy to deal with. Easy to renew. Great service.
By Ross James,
By Geoffrey,
By Anthony,
Competitive Premiums.
By Paul,
By Glen & Melanie,
Ease of working through the process.
By Geoffrey,
Excellent all round service.
By Wayne,
Sometimes I want to talk to a person to clarify things. This is especially important with insurance. Insurance companies have a reputation of avoiding claims despite the best efforts of the insured to provide that they think is the right information.
By Wayne,
I would like to talk to some rather than 'chat' via 'leave a message'. Insurance companies have a reputation of avoiding claims despite the best efforts of the insured to provided the 'necessary' information.
By Barry,
I am a huge fan of Initio because your policies are great, your service is impeccable and the renewal process or adding a new policy is so simple. I recommend you on a regular basis without hesitation.
By Roslynne,
Competative premiums and ease of use online.
By Ani,
Fast & easy
By Claire,
The two claims i have had with Initio have been dealt with efficiently and professionally and a great outcome under a stressful situation.
By Peter,
By Hayley-Jane,
Easy. Very competitive premiums for better cover.
By Trudy,
Price competitive. Easy website. Good communication. More peeple should know about initio.
By Farideh,
Ease of completing policy cover online, price to insure
By Anthony,
Competitive Premiums and convenient online system.
By Mark,
Economical, easy to check details online, easy people to deal with
By Graham,
quick and simple - cost seems very competitive still - good for multiple properties as can monitor on dashboard
By Catherine,
By Kevin and Julie,
Easy so far.
By Lindsay,
You're just Better !
By Joanne,
So far ... so good!
By Steve,
Great product, excellent price and extremely simple process
By Lena,
By Penelope,
easy to use, friendly helpful staff
By Paramjit,
By Shaun,
By Sheree,
Good prices! and the website if very user friendly, thanks Initio!
By Jared,
By Tracy,
It is easy to use and claims are settled in a timely fashion
By Michael,
By Sam,
It is cheap. Easy to deal with. Covers both rental and private properties as well as contents cover. Includes cover for meth.
By Brett,
Easy to use and renew, excellent policy pricing.
By Paramjit,
By Ray,
Overall excellent claim service, thank you
By Rica,
Easy to use website/dashboard (mostly) and good premiums for level of cover
By Duane,
By Simon,
so cheap and easy to insure house and especially for a rental property. thanks
By Deborah,
Price plus excellent customer service.
By Wolfgang,
Convenience, price, communication.
By Barbara,
Good pricing, easy to use website. Main downside for landlords is not being able to insure properties in the Wellington area.
By Elizabeth,
Easy to put in place, good value as premium slightly less than comparable product.
By Lindsay,
Awesomely easy and quick to renew insurance. Great underwriter and high rating. Thanks guys. Lindsay.
By Jeremy,
Cost effective and convenient
By Cheny,
By Shelley,
Love the ease of the online applications!
By Bruce,
Easy web site, renewal fine good support information
By Roger,
By Sandy,
Offered an appropriate product for our needs which also incorporated some choices that could be used to adjust cost. Easy application and renewal process.
By Dan,
It's easy. Good photo Rene. :)
By Richard,
Because of suze
By John,
By Brian & Glenda,
Recently had a claim with Initio and they were fantastic. Great communication and they paid out in one day.
By Ranjeeta,
By Davina,
Excellent call center service. great product at a great price.
By David,
By Oliver,
Your UX (User Experience) online is easy and really clear. I was sketchy on the Account to Account thing though, not usual for 3rd party sites to ask for your bank username and password. I had to check with them it was legit.
By Brendon,
By Philip and Rosemarie,
We have just placed our fourth rental property policy with Initio and continue to be very happy with the cover, service, and good value.
By Andrea Rose,
By Hayden,
Easy
By phil,
By Daniel,
best cover/value for money
By Jeffrey,
By Heather,
Price and value for money
By Jenny,
Good insurer
By Stephen,
quick and easy... thanks
By Abraham,
Great Price and service
By Karen,
Easy to use, quick response thanks
By Ian,
convenient and competitive
By Keith,
I've always had good service from you and most importantly at a reasonable price
By David,
I have always found Initio easy to use and were confident to recommend to others based on pricing when compared to other providers. I've just renewed a policy for this year and the premium (excl levies) has increased 36% on last year.$290 to $395.35 It seems excessive without an explanation.
By Aneta,
Friendly NZ staff! Don't need to deal with offshore call center people I dreaded calling for any policy help or changes as each call would last about 30-45 mins and then I'd have to call back as mistakes were ALWAYS made by the call center person, better pricing than State, Easy online quoting system, Endorsed by GRA.
By Janet,
Excellent, quick service. Thanks
By Martin,
By Lorna,
By Robyn,
convenience and friendly way of communicating.
By Shelley,
Have NEVER been able to buy insurance like this before. Super easy. Only thing is that there is nowhere to tell you that the 2 houses on this property were built in different decades. 1969 and 1990.
By Jonathan,
By Joan,
By Paul,
Easy, you insure our bach with no issues. However, must say it has gone up quite a bit this year hopefully not next year as will then shop around again. Many thanks
By Kushil,
It was breeze to renew the policy
By Dmitri,
happy returning customer
By Graeme and Heather,
Ease of applying, more cover and slightly cheaper premium
By Joanne,
Great price and easy to use website
By Tonij,
It easy to get a quote and apply. And cheaper than other broker. Thanks.
By Dmitri,
HAPPY RETURNING CUSTOMER Thank you for great service and ease of doing business with you, not to mention unbeatable quotes. Keep up great work - this makes my business flow much easier.
By Beverley,
easy to use
By Vicky,
Eaay and cost effective
By Gareth,
By David,
By Kathleen,
Very affordable insurance.
By Adrian,
Easy to deal with, modern technology, competitive rates, excellent customer service and claims process.
By Katrina,
By Felix,
Good expriences with service, pricing, easy navigation on dashboard and claim processing is straight forward.
By Daniel,
excellent cover, best price
By Ann,
EASY! Because I had a valuation for the reinstatement estimate. YAY! And Suzanne answered all my questions and I needed to save money.
By Katrina,
Ease of use and cost
By Kirsty,
convenience
By John,
Easy to get a quote and also easy to pay.
By Mark,
All my dealings with Initio have been efficient, easy and friendly. The one small claim we have made was handled simply without any problem.
By Christine,
By Larissa,
By Aleysha,
Appears to be good coverage, good to deal with when a claim arises and easy to renew policy payments. Also appear to be competitive as compared to other insurance providers
By Bronwyn,
By Astaria,
Good prices, robust product offering, plus you guys were there for me when I needed to make an insurance claim. Was expecting misery and I was pleasantly surprised
By Glenn,
Lower cost, compared to other companies, and ease of purchasing insurance
By Anthony,
By William,
By Nicola,
By Velda,
People really nice Concept really good but website needs attention
By Anthony,
The cheapest and the best though not such a worry now the P is not such a problem.
By Robyn,
Great and easy to use
By Barry,
Your service is impeccable and although your rates are not as competitive as they once were, they're still acceptable at the moment. Hopefully now the P Lab scare is dwindling, Lumley will lower rates.
By Andrew & Jo,
I would give 4 stars if you allowed direct debit. Insurance is about peace of mind - but if I forget to pay a premium I’m left without a policy. If direct debit isn’t enabled next time we need to renew a policy we will look at alternative insurers. Aside from this, initio is great.
By Phillip,
Quick signup and simple
By Warren,
Prompt and professional claim service
By Lorna,
Our tenant has said the tradespeople were wonderful to deal with and they were amazed how promptly this claim was repaired.
By John,
Good value
By Colin & Carol,
By Lesley,
Cheaper and very Profesional
By Aaren,
Cheap and easy
By Graeme,
Easy to do business. Competitive rates. Claim handled promptly.
By mark,
Because I have never made a claim yet and don't know how fair and efficient you are.
By Ross,
Had no luck making a claim.
By Tracy,
By Stephanie and Stuart,
Easy to use website.
By Penelope,
My excellent experience with the claim team at Initio has removed the anxiety associated with approaching my insurance company when making any future claim.
By Kim,
By Robyn,
Easy to use and great prices
By Scott,
By Ian,
so easy to do, no sales pressure and very competitive
By Stephen,
By Jamie,
I was very stressed out to find my rental property had come back with a very high reading for meth, but I found making a claim with Initio to be very easy, and after speaking with the Initio claims manager I felt very relieved and reassured. The only criticism I would have with the process would be how long the loss adjuster took to do their part, which I do understand is somewhat out of Initio's control as they are a third party. I am generally happy with my claim experience overall and will recommend Initio to other people.
By Tania,
Because it is so easy!!!
By Coral,
Easy online application and the most reasonable premium I could find.
By Cathy,
it was so easy to insure a multi dwelling property
By Tracy,
By Adrian,
Very easy to buy and the claiming procedure was a great experience
By Philip,
value and specialized to holiday homes
By Sara,
Very easy to set up, without waiting or any mucking around
By Liza,
Easy, convenient
By Loralei,
GOOD COVERAGE INSURANCE. EASY TO PAY ON LINE
By Russell,
By Wayne,
Simple straight forward insurance without all the drama
By Kim & Karen,
Well to be honest with w policy riise from $910.36 to $1319.49 not totally happy. 40% increase.
By Paramjit,
By Mary-Anne,
easy to use, all online. easy claims process.
By Dmitri,
am a happy customer
By Nigel,
You made it so easy, and fast payment
By Janet,
Quick and easy, also a good price with excellent cover
By Richard,
Because so easy to apply and initiate the Policy.
By Wendy,
Quick and very easy to use website. Have already recommended Initio to a family member who has just bought a rental property.
By Julia,
By Trudy,
By Michelle,
This was relatively easy, but as this is a new policy I reserve complete judgement!
By Graham,
because seems expensive now
By Graham,
By Simon,
Easy quote and online service
By Daryl,
Good cover
By Daryl,
Good Policy
By Sabine,
It was easy to set up
By Ross,
Denied claim. Emails ignored.
By Paramjit,
By Catherine,
This is such a fast, clear, and efficient service.
By Parminderjit,
By Anthony,
Your system is user friendly & the price is competitive
By Daniel,
good price
By Wayne,
Cheaper than our bank Simple to activate Regular reminders
By Michael,
Value for money & fair response to our one claim.
By Loralei,
very good insurance for rental properties
By Craig,
The payment system did not accept either of my credit cards which have several thousand dollars of head room and the number requirement for any loss was very clunky but by contrast Susan on your phone line was excellent
By Brian,
My Property manager said you are very good
By Takashi,
Ease of setting up. Great customer service. Very competitive rates.
By Terry,
prompt personal service via Frank
By Kevin,
No Monthly Payment Option
By Timothy,
Easy, cost effective
By Pam,
SO Easy to get my insurance and saved a killing from my previous Insurer - and with a better coverage!
By Elizabeth Anne,
Easy site to move around good product reasonably priced.
By Shane,
Ease of application.
By Jeremy,
Clear and full explanations of important details
By Raewyn,
Price and online and convienant
By Emma,
By Keith,
Very Good
By martin and cynthia,
lowest premiums
By Brett,
By Jon,
Price of the premium
By Steven,
By Raewyn,
Cheaper premium, nice and simple. Thanks!!
By Angela,
Great customer service - Susan is fantastic! Very easy to understand and apply for. Great pricing.
By john,
convenient
By Georgina,
Very effecient and friendly staff. The online claim form is very easy to use and convenient.
By Elizabeth,
Easy to start and clear process. Waiting to see how the rest of it is.
By Mark,
price is competitive, couldn't comment on claims,
By Stephen,
I like the Convenience
By Elizabeth Anne,
Ease of insuring rental house !
By Peter & Janine,
Easy to use, competitive
By Stephen,
easy, good phone help, specific rental policies, reasonable price (though has gone up a lot lately)
By Liza,
By Neil,
By katie,
Easy to apply online and reasonably priced
By Timothy,
By Daniel,
Insurance price
By Barbara and Terence,
Good service over a number by your staff.
By Kay,
I have been pleased with the cover offered
By Belinda,
Very happy with this company, however, I have not made a claim
By Karren,
By Michael,
price
By Lara,
Easy to use and a competitive pricing
By Kirk,
By Cathy,
It has been so easy to use the on line service and much cheaper than paying monthly.
By Loralei,
Good coverage for rentals
By Claire,
Our claim was in relation to a Meth issue. The situation was very distressing and overwhelming. The initio claims manager was very calming, showed empathy and always very bubbly and listened to my concerns. I cannot speak highly enough of her handling of our situation. The process has been speedy and efficient. This is our second claim with initio and both times I have had a good experience.
By Cheny,
Excellent claims experience
By Christiane,
Fast efficient claims experience. Very friendly and helpful claims manager. Would choose initio again.

Useful Links

Landlord's fire safety checklist

As a landlord, you have obligations to ensure you’re maintaining your property to a suitable standard. This includes ensuring that it’s fire safe for renters. Learn more about fire protection at your rental property by Fire and Emergency NZ

Landlord’s fire safety checklist by Fire and Emergency NZ

Landlord rights and obligations

Landlords have certain rights and obligations when they enter into a tenancy agreement. Use this as a guide to navigating a landlords legal obligations. Landlord rights and obligations by Barfoot and Thompson

View the guide from Barfoot & Thompson

Tenancy New Zealand, guide to landlord insurance

Insurance is important for landlords. Landlords should insure their rental property against any damage, whether it’s accidental or not. Quick guide on why landlords need insurance by Tenancy New Zealand

View the guide from Tenancy Services

Testing and decontamination of methamphetamine-contaminated properties

There is a New Zealand standard for the testing and decontamination of methamphetamine-contaminated properties, including rentals. Get the full standards document from Standards New Zealand

View the New Zealand standard