House & contents insurance - made easy

Initio is NZ's specialist online house insurance provider

Initio provides a quick, non-creepy insurance experience.

Get a quote in seconds and if you like what you see you can start the cover online, with payment by credit card or real time bank transfer. Certificate of insurance to your inbox in a couple of seconds, and the flexibility to change your cover and make a claim online anytime through your own personalised dashboard.

Initio uses technology to save customers time and money. Most importantly Initio cuts the non-sense and pays claims quickly.

Initio is here to help. If you need assistance with your insurance click here to contact us.

My Mortgage

My Mortgage and initio have teamed up to provide you with a competitive online option for your house and contents insurance, rental properties and holiday homes.

My Mortgage recommends initio because its easy, lower cost, and they don’t mess around on claims.

From our customers

I checked out a few of the major insurers before I found initio landlord insurance. The thing I love about initio was that I didn't have to waste time giving my personal information upfront, and then have to deal with someone on the phone. Initio gave me an instant quote online, which was the best price I had seen. Its simple, quick and very competitive! I would recommend to anyone.
Instant online insurance
House insurance that matters
house insurance nz

Instant online insurance

No long-winded phone calls or mountains of paperwork, we provide instant, online quotes for your property, and take the same approach to claims.

When you insure with us you get instant cover confirmation. At claim time you can easily lodge and see the progress on your dashboard.

About Us

Cover that matters

We know property insurance, and that's why when you tell us what sort of house you have we tell you what cover you should have.

We don't expect you to build your own policy, we include the things that matter, bells and whistles too.

Our Cover


New Zealand-owned and only online means we're here when you need us. There's no hold music, no chatbots, just damn-good, kiwi-based support, whichever way you want it.

Receive all the efficiency and transparency of lodging your claim online, with the benefit of a human touch. Why not have your claim-cake and eat it too.

Our Claims