Landlord Insurance

All in one rental property insurance for landlords.  Insurance cover for the property itself and landlord insurance risks including loss of rents, tenant damage, meth.
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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.

 

Landlord insurance – from the Initio CEO

Landlord Insurance policy benefits

Full comprehensive insurance for the Rental Property itself

Full cover up to the Rental Property insured value
Excess is your choice starting from $400

Accidental Damage

Full cover up to the Rental Property insured value

Loss of Rent - following property damage

Covered up to 52 weeks
Rents cover from $20,000 to $80,000

Loss of Rent - eviction or no notice (Suspended)

Eviction for non payment - 6 weeks
Vacating without notice - 6 weeks
Prevention of access - 6 weeks
***Temporary Suspension of cover for new policies from 9 April 2020 (Covid Response) ***

Landlords Contents (eg oven, curtains or other furnishings)

$20,000 included for free
Ability to increase up to $60,000

Major Malicious Damage

Fire & Explosion covered up to
the Rental Property insured value

Deliberate Damage by Tenant

$25,000 cover

Meth Contamination

$30,000 cover
(Excess $2,500)

Natural Disaster Cover

Full cover up to the Rental Property insured value
(including EQC cover)

Recreational Features

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

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

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.
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.
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 insurance, 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 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.

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 (or arson or explosion by the tenant) then you are insured for the full insured value of the rental property.

Deliberate damage means that your insurer (ie us) will hold your tenant responsive for the total cost the the damage.

For careless damage and deliberate damage, recent (July 2019) changes to the RTA mean that a landlord can hold a tenant responsible for the excess. There is some debate about whether the a tenant should be made to pay the excess for accidental damage, we think it should, but further Tenancy Tribunal hearings through 2020 will confirm this

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

 

Learn more about initio claims

How likely are our customers to recommend initio?

By Tracy,
easy to use
By Janet,
Very quick and easy the deal with
By Yongping (Peter),
GOOD SERVICE!
By David,
Really simple service to use, value seems fair.
By Arteshar,
Been with Initio for about 5 years, for 2 properties. I am happy with the policy.
By Zbigniew,
Friendly and helpful staff, good communication and ease of use
By James,
By Christine,
Easy online process
By David,
would be 5 stars, because it is all so easy. but since you have been bought out the prices have been creeping up.
By Ethan,
Easy to use. Good pricing
By Helen,
By Deirdre,
Good service and easy service. Great pricing.
By Firman Family Trust,
so far so good
By Sharron,
Easy and fast. great stuff
By Anna,
Easy system to use
By Dmitri,
happy long term client
By Jason,
ease of use and great pricing
By Ann-Marie,
Have not had any direct experience (claims) so don't know how supportive your company is but cover is good and premium renewals easy to negotiate.
By Robyn,
By Nicola,
It was so easy! I've spent literally hours on the phone to other insurance companies and brokers this week. Initio came back with the best cover, best price and I purchased the insurance online within 5 minutes. Amazing, thank you!
By Emily,
It was friendly. Easy simple clear information. Liked the examples of recent payouts and do not payout. Also the info of what you covered under landlord insurance. Extensive and clear with options of increasing. Then easy to pay at end with clear information and instructions. Im not use to digital technology but it was great. Thank you
By Angela,
By Eshal,
Cannot be easier to renew, thanks team:)
By Adriaan,
Very easy to manage, nice setup
By Steven,
Simple easy good value
By Kent,
Quick, easy, great value for money.
By John,
good website, easy to understand and select and edit the information
By Coral,
Love the dashboard and easy to renew
By Rachael and Geoff,
Easy to renew and use.
By David,
Very easy
By Satnam & Akanksha,
Never had to claim but buying and renewing the policy, online portal is amazing so thanks for the good work. Of course, no one knows how good insurance is until you claim so might find out more one day
By Meha Dinesh,
EASY
By Rachel,
Polite, helpful, quick and helpful service.
By Randi,
Professional service, easy invoicing/payment, policy clear and understandable.
By Jody,
Super easy online insurance and willing to offer insurance on my trade properties as well , thanks
By Mark,
Couldn’t be happier with you company guys. Dashboard so easy to set up new policies or renew old one. Just wish you would insure all my other properties in Blenheim. Maybe in time aye. Thanks again. Mark.
By Duane,
By Richard,
Initio makes renewal hassle-free. Thanks.
By Robin,
It's a breeze to use :)
By Louisa,
Easy to check adding replacement value and the effect on premium.
By Tom,
Easy to manage my policies online.
By Wendy,
By Calie,
Easy to use competitive prices great value for money
By Stephen,
So easy to use.
By Nick,
By Carolyn,
Easy to use, lots of easy to understand information, and a good price
By Yiannos,
Easy to renew, all information readily avilable
By Alistair,
An easy online process. Policy quite well suited to a rental property.
By Robert,
All seems to good to be true- Realistic rates, straight through processing, every thing is not too hard requiring extra payments here and there.
By Trevor,
Great cover with good number of options available. Good pricing and good support service. Thanks.
By Joel,
Easy and competitive.
By Raewyn,
By Raewyn,
By Raewyn,
By Raewyn,
By Lee,
By Grant-David,
By DTH Group,
By Amber,
It's just easy
By Dennis and Barbara,
Fantastic communication, ease of use .
By Torlesse Trustees Ltd,
Easy and resonable price
By Stephen,
Its easy
By Graham,
Simple to renew
By Catherine,
As far as I've been concerned Initio is easy to work with. I haven't yet needed to make a claim, hence I don't know if 5 stars are appropriate.
By Sonia,
By Ali Mohamed abdelkader,
Really easy to go through the sign up process and awesome that we can get real time quotes.
By Sonia,
By Duncan,
By kim,
simple,clear, covers everything i need and I love that I change change/control amounts online instantly
By Tamara,
By David,
Easy and good products
By Rob,
On-line process was quick and easy!
By Joanne,
Very easy
By Kerry,
A good simple process and easy to renew, thanks
By john,
Too easy
By Debbie,
Easy and call back service was very helpful. Oh and not forgetting - no sales spiel. Love it! Thank you
By Ria,
So easy to use!
By Anthony,
Easy, quick & well priced, so many websites are not user friendly its good to use one that is.
By Nicki,
NZPIF discounts and a very competitive premium and good range of cover, thanks!
By Pam,
Do so all the time! Just can't wait till I can change our vehicle's to you too!
By lance,
Super easy, super fast, claim settled no problems, I'm definitely an initio fan....
By Donna & Mark,
So easy to setup, easy to deal with on the phone, a very pragmatic approach to insurance.
By Peter,
The premium is a lot cheaper than my existing insurance through a broker I have been using for years. I guess we will find out how good you are if I need to make a claim.
By Pam,
Have done at every opportunity I get even to strangers!!!!
By Malcolm & Tracy,
By Maria Donna,
Very easy to use and set up no lengthy forms.
By Victoria,
By Craig & Robyn,
Easy to set up and competitive policies. Can't comment on experience with claiming at this stage though.
By Jason,
Pretty easy service, price has gone up quite a bit on renewal I would like someone to call me to discuss as I will be shopping around for the best deal.
By Terry,
By Grant,
By Ria,
Its so easy!
By Peter,
By Natasha,
Very easy to use, good pricing, hassle free
By Niquita,
Super easy to deal with !
By Sally,
Nice and easy GReat rates Help if you need it Claims managed really simply
By Glenn,
Good price, easy to obtain
By Ivan,
By Jo,
Easy online service at a good price
By Gordon and Carol,
Easy company to deal with
By mohammad imad,
Nice services, satisfy my needs.
By arnold,
i depend on experienced and successful investors and their associates and to date i have no regrets i have been able to retrieve information from your web sight which is accurate and truthful and had the relevant detail contained within it that the rangitikei council could not provide
By Malcolm,
Just so easy to do online.
By Raewyn,
Easy to work with and try different options.
By William,
By Roger,
easy to deal with
By Sharon,
I have found Initio easy to deal with and the whenever I have had to ring in the team have been friendly and helpful. Thank you.
By Nick,
Low calculator, fair rates
By Roger,
By Janet,
Excellent, fast, friendly service. Thank you!
By Karl and Florah,
By Reuben,
Easy to use and competitive pricing
By Glen,
Easy and has good value as an owner and investor. Initio Team is also good to deal with.
By Barry,
The insurance is placed, with a recognised insurer,with competitive premiums,and questions regarding the policy are answered promptly on the chat
By Bronwyn,
By Allen,
By Donal,
By Stephen,
Straight forward process
By Douglas,
By Todd & Helsa,
By Liza,
By Brenda,
Easy online process but if you need help they are very quick to contact you and get everything sorted
By Sophia,
I like the simple and straight forward website - far better than competitors! Plus I received two other quotes and Initio always comes in cheaper.
By Graham,
By Kena,
By Elizabeth,
straight forward insurance and renewal. Although the strength of the insurance is at the time of claiming. Hopefully something that is not tested!
By Janine,
Very easy process, great website
By Kerry,
By pauline,
A simple process and very efficient. I haven't made a claim, so I can't give you 5 stars yet.
By Chy,
Very easy to navigate and great cover
By P.A,
Absolutely hassle free process every renewal.
By Reg,
Real easy to deal with
By Deborah,
The service that I have had to date...thank you
By Murray,
I have several properties now insured with Initio because it is simple, quick and so easy. Thanks for revolutionising the insurance industry with an online option that actually works well.
By Georgia,
By Stephen,
Great Value and Easy to Sort... Thanks
By Andrew,
Easy as....
By Alexandria,
Easy to use website.
By Wendy,
Easy to apply and renew.
By Raylene,
Great policy for my rental
By Julie,
By Brenda,
So simple after waiting, talking to and getting nowhere with a very popular company.    
By David,
Quick, convenient. Thanks.
By Wayne,
Easy to reinsure each year. No hassles changing details.
By Aaron,
Easy to deal with and no problems when making claims.
By Mark,
Quick & Easy to use dashboard. Fast response to questions. Good value premiums & easy to understand policies.
By Cameron,
Always have. Satisfied customer.
By Alan & Andie,
By Daryl,
By Cathy,
I have had a recent claim with Initio and the service was great!
By Lucius,
Good pricing for insurance coverage and simple process to sign up.
By Matthew,
By Lucius,
Good pricing, good covergae, easy process.
By Craig & Robyn,
By Craig & Robyn,
By Tobias,
Easy to sign up.
By Craig & Robyn,
By vincent,
easy, online, good offer
By Bonnie,
So easy! It's been painful with my previous provider! THANK YOU!
By Floyd,
great
By David,
easy to do
By Katherine,
By Garth,
The Renewal process is Lightning quick, and can change review so fast! When you have 50 odd properties I save heaps of time!
By Ying,
very user friendly
By Serena,
By P&S,
Simple, no fuss, easy to renew, with reminders sent each year! Love it!
By Serena,
By Simon,
easy renewal
By Trudy,
just so easy
By Clare,
Easy navigation of website and payment.Peace of mind
By Christine,
By Scarlett,
Website so easy to work through your on line quote!
By Gordon and Carol,
Easy to deal with
By Marston,
Easy online quotes, great customer service both online and by email, competitive pricing, NZPIF benefit an extra bonus!
By Barry,
Good price and easy as.
By phil,
By Kelly,
Great service, easy to deal with - at least at the policy initiation and renewal level!
By Maria,
By Seema,
very easy renewal
By Garth,
By Megan,
It is very easy and a good price.
By Therese,
Think the premiums have got up hugely this year
By Michael,
No savings to be had on my other policies
By Adam,
Easy to use and efficient
By Diane,
By Glenn,
Great, easy service and good value for money
By DONNA,
THAT WAS VERY EASY
By Garth,
The Dashboard Is so good for managing everything
By Russell,
easy to renew, tested the market, and still the best value and policy.
By ying,
By HUI MEI,
easy to use, hassle-free, competitive discounted quotes for members of NZPIA.
By Rebecca,
By Michael,
Very easy to use, great dashboard, nice prices
By Garth,
By jeremy,
By stuart,
By Trudy,
By Farideh,
Efficient, affordable, minimalist, reassuring.
By Clare,
Easy and quick process to insure property
By Deborah,
The service I have had from Suze and Anna recently shows me that I have never really had great service to date from my insurance brokers. I have already referred two people with some rentals to Initio
By Caryn,
By Mark,
Initial has been easy to deal with, pragmatic, and seems to be able to spit an honest customer and treat us as one, not as the enemy like some insurers do
By Caryn,
Easy to use process. Able to amend items if required.
By Caryn,
By Sandra,
Efficient, great policies, easy to use online services plus you CAN phone and speak with a human when required
By Anthony,
Competitive Premiums (Mostly) & Cover.
By John,
Easy and simple. Good Company.
By Vettivel,
By Duane,
By (Helen)Hui Chuan,
Your phone staff was very helpful that such patience to stay online guide me through the whole process saved my panic
By Ke,
The purchase process was fast and smooth, and I got some help from your customer support
By Ria,
It's so easy to use
By Jynel,
Quick and easy to sign up!
By Douglas John & Nanette,
Very clean efficient on-line system.
By kathy lee,
By Geoff,
Simple easy transparent and a reasonable price
By Jody,
so easy
By Renate,
Easy to use, very efficient
By Kevin and Julie,
Because you adhere to the KISS principle which makes life easy for dummies like me !!
By Peter,
Easy to arrange cover Suze is great to deal with for any queries
By Kerstin and Antony,
By Ronald William,
Quick & Easy to insure Good price
By Malcolm,
Its so easy to set up on the website and easy to understand.
By Shelley,
Love the ease of this, and think the policy is great.
By Sasha and Daniel,
By Tracey Leigh,
I can easily review every policy. All the information is on the site. I can customise the insurance for each property. It easy to use and not confusing.
By Helen,
The best deal, easy and quick.
By Garth,
By Munich Ltd,
Friendly helpful customer service
By Munich Ltd,
Nice and simple
By Barbara,
Easy to deal with, make changes, renewal etc. I was also impressed with Sam's fronting of recent Auckland Property Investors' webinar. Only issue is current refusal to insure properties in Wellington area. I would have thought that for long-standing clients some accommodation could be made.
By Kim,
Excellent web site and reasonable price.
By Wolfgang,
Been a customer for a few years, now. Always been happy with the service, also in claims situation. :-)
By Bruce,
Very
By Lucy,
Easy to deal with and dealt with our one claim promptly and well.
By Davina,
efficient, easy, understandable, concise, thorough, experts
By Julie,
Ease of use, great customer service. Highly recommend them.
By Sam,
The price is fantastic. The service is great. The policy is comprehensive. And now for NZPIF members we only have to do inspections every 4 months.
By Mark,
By Mark,
By Sam,
Easy and quick to use
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 Pamella,
great cover at a very good price
By Shirley,
Trying to get policy changed as it is in kaikoura proved to be a major headache, and we have had to proceed with no changes as time has run out for us.
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,