Top 5 mistakes when insuring a home

When arranging home insurance customers will often email or phone for advice. We have complied the top 5 mistakes that we often hear. 1. Reducing the sum insured to save money Customers often think that to save money they should … Continue reading

Calculating your Sum Insured

You are responsible for ensuring that your home is insured for the correct amount. That’s why initio thinks its important to make sure you understand what should be included in your sum insured. If you have built your home, you might … Continue reading

How does an excess work?

Insurance is full of jargon, and one piece of jargon that we use often is ‘excess’. Insurers assume that their clients know what an excess is and how it works. This article will give you a clearer understanding of excesses. … Continue reading

How to claim on your insurance

Have you ever wondered what you would do if you had a claim on your property? At initio we have complied a step by step guide to help you navigate making a claim. Step 1. Secure your Property Take care of … Continue reading

Contents Cover Explained

When you insure your Holiday Home or Own Home with initio you have choices when it comes to your Contents Insurance. You can choose how much cover (your sum insured) and which type of cover – Replacement Value or Present … Continue reading

Top tips to protect your rental house from fire

With Winter well and truly upon us, the heaters have come out. Not surprisingly most residential house fires occur during winter. Kitchen fires make up about a quarter of all house fires – they commonly start from unattended cooking and … Continue reading

Top 5 things to check for in your Landlord Insurance policy

As a landlord, the risks to which you are exposed are often not covered by a standard insurance policy. When taking this next step on the property ladder it is important to have the right Landlord Insurance cover in place … Continue reading

What are the consequences of meth in rental properties?

Andrew King, of the New Zealand Property Investors Federation, has written a common sense article on the consequences of meth in rental properties.  The consequences of Meth in rental properties has been escalating over the last few years. Fortunately it … Continue reading

Deferring property maintenance will cost you more

While keeping yields high on your rental property is generally the objective, as a landlord its important to keep up with maintenance as deferring it may end up costing you a lot more. The added benefit is that well maintained … Continue reading

Levies on the increase

Double whammy on levies Did you know that a large portion of your house insurance premium goes to the government in levies. For the average initio house insurance policy sold through our site www.initio.co.nz, over a THIRD of the cost … Continue reading