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Getting the right house insurance is an important decision you want to get right. Here’s the top 4 mistakes we see, so you don’t make them. 1. Reducing your sum insured to save on your premium People often think to reduce their sum insured for a… Read More
Background: Olivia’s holiday home in Kaikoura shook during the November earthquake.  Thankfully no one was hurt, but the property was damaged.  Paintings and furniture had scraped against the walls, doors wouldn’t shut properly and the floor level had dropped substantially in one part of the home. Claim Process: Olivia logged into… Read More
IMPORTANT:  If your house is unsecure, unsafe or vulnerable to more damage, get a professional to make the house livable and we’ll work through the costs together later. After ensuring the house is secure and everyone is safe, here’s what to do if you have home and contents insurance with… Read More
Here’s a simple list of losses that are and aren’t covered by Initio’s home and contents insurance policies. Note this is not an exhaustive list but some of our more popular claims. Please refer to our full policy for more details. Covered: ✅   Car crashes into front fence. ✅ … Read More
Found deliberate damage at your rental property? Don’t worry, your Initio landlord insurance policy covers up to $25,000 of deliberate damage by tenants. If you’ve found holes in walls, smashed windows, graffiti etc, please follow our below steps. What you need to do 1. Take photos of the damage… Read More
Methamphetamine contamination in a rental property can be an alarming and confusing time for property owners.  There are conflicting theories on what levels are acceptable and what needs to be done to get the house livable again.  Initio keeps it simple and adheres to the Ministry of Health Guidelines… Read More
Accidental damage is irksome, someone or something has damaged your property and it needs to be made right.  Don’t worry, that’s what you’ve got home and contents insurance for and we’re here to help. IMPORTANT: If your house is unsecured, unsafe or vulnerable to more damage, get a professional to… Read More
Malicious Damage By Tenant – August 2017 Background Baxter owned a rental property in Whangamata and employed a property manager to manage the tenancy and inspections.  Baxter had model tenants, the property was always kept in good condition, the lawns mowed regularly and rent payments were never missed. Then, in… Read More
Accidental loss claim – December 2017 Background Rebecca owns a holiday home at Waihi Beach.  During the month of January a guest went to open a ranch slider and accidentally put their knee through the glass pane at the bottom of the door – thankfully the guest only had a… Read More
Burglary Claim – March 2018 Background Ethan owned a rental property in Nelson which he insured with Initio in July 2015.  While the property was vacant between tenants, Ethan took the opportunity to complete some general maintenance to the home.  On the third day of work, Ethan arrived at the property… Read More
Fence blown over – May 2018 Background: During a severe storm in Auckland, Max’s front fence blew over, snapping the posts off at the ground.  After the storm cleared, Max attempted fixing the fence, but it was obvious that it was beyond repair.  Max called in the professionals and got… Read More
First Home Buyers – Chris and Jen Young couple Chris and Jen recently completed every young couples dream and purchased their first home. In a hot property market this is not an easy task.  With house prices continuing to rise and larger deposit’s required upfront, getting your foot in the… Read More
Accident loss claim – November 2017 Background Simon took out a landlord’s insurance policy with Initio for his property in Palmerston North in September. Not having used Initio before and only having one policy, he was like many clients and a bit unsure  how his policy would respond if he… Read More
Water damage claim – September 2017 Background Jonathan is a landlord of 12 properties in the Waikato region. Other than a few small glass claims in 20 years he had never lodged a claim.  He got a call on a Saturday from a tenant who had been on a holiday… Read More