Search results for: {search_term_string}/get-quote/house-insurance-calculator

 Is it only used as extra space for your household?

If you have two dwellings on your property and the second one is used only by you or your family—without being rented out—it’s important to have the right insurance to cover both spaces.

What counts as an extension to your own home?

If the second unit/home is;

• Used like a sleepout for members of your immediate family, such as teenagers or elder family members.  
• And you all predominantly share meals and/or facilities OR
• Used as a hobby room such as an art or music room OR
• Used as a home office space, then

It’s considered as an extension to your home and counts towards the one home unit/dwelling.

What insurance do you need?

For this setup, you only need one home insurance policy, which will cover both your main home and the second dwelling under the same policy. This ensures protection for:

• Your home and any structures used as part of your home for residential purposes on the property

Get covered today

With initio, you can get a quick quote and buy insurance online in minutes, making it easy to ensure your home and second dwelling are fully protected. Getting a quote and buying insurance online with us is easy, but our cover is anything but basic. We offer comprehensive protection to ensure you’re fully covered.

Buy house insurance

Need help? If you’re unsure about what policies are right for your situation, contact us to make sure you’re fully protected.

Get covered today with initio – Quick quotes, easy online cover.

Not quite what you’re looking for? Maybe some of these other scenarios suit you better:

• Do you have a second dwelling on your property that you rent out?
• Renting out part of your home short-term
• Renting out a second dwelling solely for short-term stays
• Second dwelling on your property that your family lives in
• Renting out two dwellings on your property

Your rebuild sum insured is one of the most important parts of your house insurance policy. It determines the maximum amount payable if your home needs to be rebuilt after major damage.

This guide explains what sum insured means, how to calculate it correctly, and why market value is not the right number to use.

Quick summary

• Your sum insured should reflect rebuild cost, not market value.

• Include demolition, fences, pools and other structures.

• Add a buffer for rising building costs.

• Minimum and maximum limits are based on your floor area.

• All sums insured include GST.

• You are responsible for selecting the correct amount.

What is sum insured?

Sum insured is the amount it would cost to fully rebuild your home to its current size and standard, using today’s building costs. It is not:

• The market value of your home

• What you paid for the property

• The land value

It should reflect rebuild cost only.

Rebuild cost vs market value

Market value includes land and location demand. Rebuild cost only covers construction.

Example: Under-insured vs over-insured

Imagine two neighbours with identical homes that would cost $500,000 to rebuild.

• Neighbour A insures for $400,000 using a rough estimate of $2,000 per square metre.

• Neighbour B insures for $750,000, thinking market value is the right number.

After an earthquake:

• Neighbour A receives $400,000 and is $100,000 short.

• Neighbour B receives $500,000 (the rebuild cost), but has paid higher premiums than necessary.

Getting it right avoids both financial shortfall and overpaying.

What should be included in your rebuild sum insured?

When calculating your sum insured, include:

• The house itself

• Fences

• Swimming pools

• Retaining walls

• Other permanent structures

You should also factor in:

• Demolition and debris removal

• Professional fees

• Inflation and rising building costs

Adding a reasonable buffer can help protect against cost increases over time.

Why is there a minimum and maximum sum insured?

When selecting your sum insured, you will see a minimum and maximum value range.

These are calculated based on:

• The floor area of your home

• Any declared outbuildings

Minimum sum insured

This reflects the lowest realistic rebuild cost per square metre for a basic home. It helps prevent serious underinsurance.

Maximum sum insured

This reflects the upper realistic rebuild cost based on floor area.

Selecting a figure above this will not increase your payout. It may only increase your premium.

If your situation genuinely requires a higher amount, contact our support team to discuss your circumstances.

💡 Building costs vary depending on materials, design and location, but most homes fall within the provided range.

Does my sum insured include GST?

Yes. Any nominated sum insured on an initio policy includes GST.

Before confirming your GST preference, ensure your selected amount includes the GST component.

How can I estimate my rebuild cost?

If you are unsure where to start, you can use the Cordell Sum Sure Calculator.

It uses council data, floor area, and building details to estimate rebuild costs. You can compare this estimate with your own assessment.

You may also wish to consult:

• A registered builder

• An architect

• A quantity surveyor

Cordell Rebuild Calculator

Who is responsible for setting the sum insured?

While we can provide guidance on how our products work, we are not qualified to value homes.

You are responsible for determining the correct rebuild sum insured for your property.

If your calculated amount falls outside the available range, please contact our support team.

Frequently asked questions

Should I insure for market value?

No. Your sum insured should reflect rebuild cost, not market value.

What happens if I under-insure?

Your maximum payout will be your selected sum insured, even if rebuild costs are higher.

What happens if I over-insure?

Your payout is capped at the actual rebuild cost. You may pay higher premiums without receiving additional benefit.

Do I need to include demolition costs?

Yes. Rebuilding after major damage includes demolition and debris removal.

Related Articles

• Insurance when you are buying your first house
• Initio’s house insurance
• Five fundamentals of house insurance
• Recreational features and retaining walls

Is the cause of damage covered?

Not always. Home and Contents insurance policies typically exclude the repair of a fault, defect, or deteriorating building component. These are considered maintenance issues, not insurable events.

Insurance is designed to cover the result of something going wrong, but not the cause of damage itself. For example, an old pipe decays and eventually bursts, causing water damage to the house. Homeowners often expect that all of the costs to have this fixed will be covered, but this is not always the case.

House insurance policies generally have an exclusion for faults or errors in items. A common exclusion a homeowner would find in their policy is:

You are not covered for loss, cost or expense arising from the fault, defect, or omission on:

1. design, plan or specification, or
2. workmanship, construction or materials.

However, this exclusion applies only to the property directly affected, It does not apply to resultant damage and accidental loss to other parts of the property.

 

So, when is the cause not covered? (Examples)

• Rusted pipe bursts and causes water damage throughout the house – Insurance will cover all the costs of repairing the water damage, e.g., carpets, walls, and redecorating. However, the costs to repair and replace the rusted pipe are not covered. This is deemed a fault in the materials due to the old age of the piping.  The homeowner is responsible for this cost. An insurance policy is not a property maintenance cover and homeowners are therefore expected to pay for the costs of fixing faulty or old materials at their home.

• Leaking hot water cylinder valve causes water damage to downstairs ceilings and walls – Insurance will cover the builder’s costs of repairing the walls and ceilings that have been water-damaged.  It’s important to note here that many policies have a hidden gradual damage limit of between $1,000 and $3,000. However, the homeowner will need to pay for a new valve and the labour costs of installing it.

To learn more about Hidden Gradual Damage, read our detailed guide

When is the cause of the damage covered? (Examples)

The crucial factor when working out what is covered, is determining the specific cause of the loss.  If the cause is external to the house and is not related to the direct failure of something in the home (a water pipe for example) then everything, including the cause will be covered.

• An overnight freeze in temperature causes a water pipe to crack – Water damage occurs to the walls and flooring. Insurance will cover the cost to repair all of the resulting damage, and it will also cover the cracked pipe because the crack was caused suddenly by freezing. The cause of the loss isn’t the pipe failing on its own — it’s the sudden low temperatures. Because of this, the pipe itself is treated as resultant damage.

• A wind storm blows part of the roof off the house, rain follows, causing water damage – Again the key difference here is that the damage has been caused by something external and unrelated to the roofing itself.  All damages including the repair to the roof and the subsequent water damage will be covered by a house insurance policy.  If the roof had simply started leaking by itself (which is relatively common for older houses with original roofs), the the cost to repair the water damage (eg new gib ceiling and insulation) would be covered by house insurance but the repair to the roof would not.

• A power surge causes both the switchboard to catch fire, and it damages appliances – All damage is covered by insurance as the cause of the loss was not a faulty switchboard but rather an electrical spike that was an external event.

Articles of interest

• Am I covered for pet damage with initio insurance?
• Can more than one excess apply to a claim?
• How to claim for accidental damage

The answer is, it depends. There are circumstances where a tenant is considered liable, but this can be a little murky.

Let’s have a quick look at some key parts of the 2019 Residential Tenancies Act for insights into how you may experience it as a landlord.

Three things in the act that seem clear on paper.

1. A tenant can be held fully responsible for intentional damage

A tenant who intentionally causes damage can be held liable, and the landlord can ask them to pay for the damage. This seems like common sense.

If the landlord has insurance cover for deliberate damage, they can lodge a claim with their insurance company. The insurer will pay for repairs, and try to recover the costs from the tenant later down the track (if it’s possible).

2. A tenant can be held partially responsible for careless damage

If a tenant has ‘carelessly’ caused damage they can be held responsible, but only up to a maximum of the landlord’s insurance excess, or four weeks of rent (whichever is less).

But what is considered careless? We’ll get to that shortly.

In this case, the tenant can share in with the benefits of the landlord’s insurance cover.

3. A tenant cannot be held responsible for accidental damage

If a tenant accidentally causes damage the act considers that sometimes; these things just happen, and the damage is the landlord’s responsibility.

However, this falls into the same problem. It’s often not crystal-clear whether damage is ‘careless’ or ‘accidental’, nor is it something the landlord and tenant may easily agree on.

Many things that would ‘sensibly’ be considered careless, have been ruled by the Tenancy Tribunal as accidental – such as knocking over and leaving a hot iron to melt into the carpet.

So it’s a good idea to read through some recent Tribunal decisions – this may be helpful for future tenant discussions.

A case of melted carpet

The 2019 changes to the act are still relatively fresh and we could still see its interpretation change. This 2020 example gives an indication of the Tribunal’s approach to the difference between careless and accidental damage.

Braziers v Guttman 2020

A landlord (Braziers) took their tenant (Guttmann) to the Tenancy Tribunal to recover damage.

The landlord alleged a patch of carpet was melted, and claimed the cost of carpet replacement from the tenant for $772. The tenant admitted the carpet was melted when they accidentally knocked over a hot clothes iron.

To avoid any liability the tenant needed to prove that they didn’t carelessly or intentionally cause the damage, and that it was a reasonable accident.

The tribunal decided the carpet damage was accidental in nature, and did not have enough ‘careless’ elements to render otherwise. There was no liability against the tenant for repair costs or excess, and the landlord would need to pay for the repairs themselves, or through their insurance (and pay the excess).

Full details of the case: Braziers Ltd v Guttmann [2020] TT 4251455

Accidental Tenant Damage vs Careless Tenant Damage

As we’ve mentioned, the Act’s definition of the difference between accidental and careless damage could be better, and we are now seeing the results of this coming through the Tenancy Tribunal process. Here’s our overview:

Accidental damage is something caused by the tenant, but outside their control (for example, tripping and putting a knee through a wall).

Careless damage is caused through lack of attention or concern for the consequences (for example, leaving a stove on while you go to do something else).

But ultimately these guidelines will be up for subjective judgement. We expect to see more disagreements between tenants and landlords over who’s liable for damage. If you’re a landlord that’s applying to the Tenancy Tribunal to see what they think, you should be prepared to prove that damage was caused intentionally – or at least carelessly to avoid paying an excess.

What’s our position on all this?

We believe a clearer division between what is accidental and careless tenant damage is needed. If no clear interpretation can be made then ideally all tenant damage – whether careless or accidental – should be treated as the responsibility of the tenant (up to the smaller of the excess or four weeks rent).

This will save a lot of time and arguments. However, based on recent cases the Tenancy Tribunal doesn’t quite see it the same way.

Why can’t the tenant use their own insurance to pay for the damage?

That’s a good question.

In the past tenants were considered completely responsible. If the tenant had their own contents insurance the landlord could rely on this to pay for damage by the tenant. Almost all contents insurance policies will include the tenant’s liability to at least $1 million for accidental damage.

For many landlords, confirmation of contents cover became a condition of tenancy; if the tenant accidentally burnt the house down, the landlord’s insurance company could get the money back from the tenant’s insurance company.

Then a couple of big things happened.

1) Court of Appeal decision on Holla v Osaki

This landmark ruling established that landlords and their insurance companies could no longer recover the costs of damage from tenants. In this case, it was $216,000 worth of damage caused by the careless action of the tenant leaving an unattended pot cooking on the stove.

2) Residential Tenancies Act 2019 

This act reversed the effects of the Holla vs Osaki decision and brought back some responsibility for tenants who cause careless damage. Responsibility, however, was limited to the lesser of the landlord’s insurance excess or four weeks rent.

It established that the tenant is fully responsible for intentional damage and that the tenant cannot rely on the landlord insurance policy for this. Remember that; as you would expect, a tenant’s contents insurance won’t provide cover for damage that’s intentionally caused.

Related Articles

• Protecting your rental from crime
• Am I covered for loss of rent?
• What to do after a a positive meth test?

The Certificate of Insurance is a document that proves your cover is in place once you’ve purchased a policy. It’s also known as a Certificate of Currency. Banks and finance companies often ask for one when you apply for a mortgage or loan or when you are wanting to draw on the loan.

If you are yet to purchase the home or only looking to make an offer, you would alternatively obtain a “Letter of Intent” rather than a Certificate of Insurance.

Get your Certificate

Certificates are available at anytime once you have purchased cover through initio.  You can download your certificate directly from your dashboard login. Click the Bank Certificate option on the relevant policy details. A certificate will open which you can save.

If you haven’t yet purchased your policy, please find more information here on how to get started.

Need to change the bank noted on your Certificate?

If you need to change the Interested Party (bank/loan provider) or the Insured Name on the policy, select the “Change” option on the right side-menu of the relevant policy. You can then update the policy and we’ll automatically send you an updated Certificate to your email.

Need to change the dates?

We are unable to alter the inception (effective) date of a policy once it’s been purchased.  You can, however, cancel that policy from your dashboard back to the original inception date and re-purchase the policy (from your dashboard) with the correct date. A new certificate will be forwarded within minutes.  Our system will also automatically provide you with a full refund for the original policy.

Please find more information regarding changes to a purchased policy on our site here.

Login now

Useful Links

When do I need house insurance?
Navigating your dashboard
Confirmation of cover

If you’re new to the rental property game, you’re probably searching the internet, asking yourself, what does landlord insurance cover?  It’s important to find the right policy that covers you if things go wrong – whether it’s tenant-related damage, loss of rent, or unexpected repairs. The last thing you want is to be caught short with the wrong type of policy from an insurance provider that doesn’t specialise in landlord insurance. 

That’s where initio comes in.  We live and breathe landlord insurance, making sure your rental property is in the hands of a provider that understands the challenges landlords face.

Owning a rental property can be a great investment, but it’s not without risks. That’s why having the right landlord insurance is essential – it helps safeguard your investment from unexpected costs, such as tenant damage, legal claims, and loss of rental income.

What landlord insurance with initio typically covers:

• Loss of rent – Cover for lost rental income if your property becomes uninhabitable due to damage or if tenants leave unexpectedly
• Deliberate damage – Protection against intentional damage or theft caused by tenants.
• Meth contamination – Cover for decontamination costs and additional rent loss during cleanup.
• Landlord contents – Coverage for furniture, appliances, and other items you provide in the rental.
• Replacement cover – Full rebuild protection up to your insured sum.
• Legal liability – Protection against legal costs if your property causes damage or injury.
• Excess-free blocked pipe cover – Coverage to unblock underground pipes without paying an excess.
• Hidden gradual damage – Cover for gradual water damage caused by hidden water pipe/tank leaks.
• Excess-free keys and locks – Replacement of lost or stolen keys and locks with no excess to pay.

Looking for more details?

Head over to our landlord insurance page for some great foundational information and to see how we can help protect your rental. You’ll also find a range of helpful landlord-specific support articles, along with our guide to the fundamentals of landlord insurance, for further reading. If you’re looking for more specific details about initio’s landlord insurance policy, you can download the full wording from our policy wording page.

With the right cover in place, you can rent out your property with confidence – without stressing about the ‘what ifs.’

Useful information

• Guide to landlord insurance
• Understanding landlord insurance
• Landlord insurance 

Help with adding more than one property to your cover

If you own more than one rental property, you might be wondering how landlord insurance for multiple rentals works. With initio, it’s simple – you can manage all your insured rentals under one dashboard, add new properties when you’re ready, and keep your cover consistent across your portfolio.

If I want to add more than one property, do I need separate quotes and invoices?

You can buy your first policy online, then add more properties from your initio dashboard by selecting the “House insurance +” button. Here’s a step-by-step guide to navigating the initio dashboard.

Each property usually needs its own quote, so the right details and cover apply to that address. If you own a block of connected flats or units (up to 8 units) on standard residential leases, you could look at our Multi-Unit Rental policy, which covers the whole block under one policy.

Can I pay with a different account for each of my rental policies?

If you’re paying monthly, initio can only hold one card per account to cover all monthly policy payments. To use a different card for a specific monthly policy, you’d need to set up a separate initio account under a different email.

If you’re paying annually, you can choose a different card for each policy at the time you buy it.

Learn more here:  Common Queries and  How monthly insurance works.

“When managing landlord insurance with multiple rentals, it’s a good idea to review each property’s cover once a year. Different homes can have different risks – like flood zones, tenant types, or rebuild values – so checking that your sum insured and excess still make sense helps ensure you’re not under- or over-insured. Keeping your details up to date also means any claims can be processed faster and without surprises.”

If you get stuck while adding another property or managing multiple rental insurance, help is only a click away. You can chat with Chad, our friendly digital assistant, directly on the initio website for quick answers and step-by-step guidance. Just click on the ‘help’ button at the bottom of the screen to get started. If you’d prefer to talk to a real person, our support team is always happy to help – just head to our contact us page to get in touch.

Related articles

• Help when your quote isn’t straightforward
• What can be insured under our Multi Unit Rental Policy?
• How property use affects your cover
• Are you thinking about becoming a Landlord and renting your home?

Monthly insurance cover means that it is renewed and paid for each month.  It’s a month-to-month policy that automatically renews and is charged to your credit card on the same day each month.

How can I pay monthly?

You can choose to either pay monthly or annually when you first purchase a policy.  Our monthly payment is only available with a visa debit or credit card payment. We don’t offer a monthly direct debit from your bank account.

For details on switching between monthly and annual payments, check out our article on ‘Switching Payment Frequency‘.

Will you tell me if my monthly insurance payment changes?

Yes, we’ll let you know in advance if your monthly payment is going to change thirty days prior to any payment.

Your total insurance cost will typically change on the anniversary of your policy (i.e the day and month you first started the cover). This means that your monthly payment will remain the same for the year.  The exception being that if there is a government levy change (for example Fire & Emergency New Zealand levy rate change) that is mandated to be applied from the effective date of your next monthly renewal.

Each month we will send you an email confirming the renewal of your policy.  In that email, if the next month’s payment is going to be different (i.e its the anniversary renewal) we’ll let you know.

Your initio dashboard will also show you the date and amount of your current and next months payment.

When will my card be charged?

When you first purchase your policy the first payment will be withdrawn from your card on that day. All following monthly payments will be withdrawn from your card the day your policy renews (your chosen renewal date).

For example, if you buy a new policy on the 1st of January and the start date of the policy is the 5th of January, you’ll initially be charged for the first month on the purchase date, ie 1st Jan.  All future monthly payments starting from the February renewal will then be withdrawn on the 5th of each month.

What if I need to change my card details?

You can change the card that’s used for the payments at anytime.  To do so, please login to your initio dashboard and choose “credit card” from the “account” menu in the top right corner of your dashboard.  Here you can enter the new card information and any future payments will automatically default to the new card.  You can also see what card is currently registered for your payments on this screen.

What if my monthly payment fails to go through?

We’ll make four attempts in total to process the payment, you’ll receive an email notification each time — whether the payment succeeds or fails. We’ll include when the next transaction attempt will be on our email correspondence, so you can ensure funds are available at the right time.

Prior to the fourth and final Attempt:

• You can contact us prior to the final fourth attempt to request the payment to go through at an earlier preferred time. You can also trigger an earlier payment re-try by updating your credit card details kept in your initio dashboard — updating this field (even with the same card info) will automatically trigger an immediate re-try of any outstanding monthly payment.
• Get in touch with your bank if the payment has missed despite the funds being available, in some cases your bank may have put a hold on transactions for security reasons.
• Cover remains in place pending the successful payment within this time.

After the fourth and final Attempt:

If the premium remains unpaid after the final fourth attempt, the policy will lapse.  Cover then ceases back to the date of the initial missed payment.

We are unable to re-activate the original policy once it has lapsed. To re-instate the cover at this time, please do so by beginning a new policy from your initio account (dashboard) using the ‘+’ options.

What if I want to use a different card for each policy?

If you are purchasing annual insurance, you can use a different card for each and every purchase.  If you are purchasing monthly insurance, we are only currently able to facilitate one card for any monthly payments under your account.  If you wish to use a different card for a monthly policy, you will need to set up a new initio account using an alternative email address for any policy to be paid via the new card.

What if I want all my monthly policy payments to be aligned on the same day of the month?

The monthly due date automatically aligns with the original inception date of the policy.  Should you wish to change a policy’s monthly due date you would need to replace it with a new policy, effective on the preferred date.  Once the new policy is in place, you can then cancel the original policy, any unused portion of that policy will be automatically refunded.

Why does the cost of insurance change?

There are a number of reasons why your house or car insurance premiums can change each year.  Some of the more common reasons are:

• Change in the costs of materials and labour, which makes repairs to houses and cars more expensive (Covid supply chain issues put pressure on materials costs)
• Increased in the frequency and severity of weather events (Auckland Floods 2023, Nelson Floods 2022, Napier floods 2023 & 2021, Auckland tornado 2021 to name a few)
• Government earthquake levy changes
• Fire Service levy changes
• Increased re-insurance costs due to the way international insurers view New Zealand’s natural disaster risk (NZ is one of the highest risks in the world unfortunately)
• For cars, the main driver may have had birthday or an accident which changes the risk and in turn changes the premium (up or down) at the next policy anniversary renewal.

Related articles

How can I pay my premium?
How does monthly insurance work?
Switching payment frequency
Can I pay with direct debit?

So you have just insured your property with us. Awesome! But you are wondering how to add insurance for your vehicle? This guide will walk you through the essential steps: getting a quote, customising your cover, disclosing necessary information, and making your payment.

1. Get an instant quote

When you purchased your insurance policy for your property, you would’ve been introduced to your initio dashboard. Within a few moments of your home product purchase, we would have provided you with login information for your initio dashboard.  You will need to login to your dashboard to begin the process of getting vehicle insurance. This is because we only offer vehicle insurance to customers who have a property insured with initio. 

Simply click on the green “Car Insurance +” button, which takes you to a page asking for your vehicle registration number. 

2. Get a quote

Enter your vehicle’s registration number to continue. If you have a brand new vehicle that has not been registered yet; email our team, they can assist you further.

3. Enter your details

Enter the details above to proceed to the next step. This information helps us understand where the car will be parked overnight and during the day, who the main driver is, and when you’d like the insurance to start.

4. Select vehicle cover, customise quote & select payment option

For our vehicle insurance, we offer the following which include different policy extensions and exclusions:

1. Comprehensive Full Cover
2. Third Party – Fire & Theft
3. Third Party Only

5. Enter vehicle details

6. Complete driver details

7. Sign the application form

To sign the application form, use your device keyboard to type your name in full (as the person completing the form) in the space provided.

8. Review and make payment

Once you have customised your insurance policy, you will need to select a payment option. For more information regarding our payment options, please refer to our support page, here.

There you have it! We will instantly email your confirmation documents.

Useful links

• Roadside Assist for initio vehicle customers
• How does claims grade and knock-for-knock work?
• Initio’s vehicle claim basics
• How to make changes to your vehicle cover
• What business use is my car covered for?
• Why has my car insurance premium changed?

Renovations may or not be covered by our house insurance depending on whether it involves structural or cosmetic work.

Cosmetic Renovations

Cosmetic renovations with no structural changes to your house are covered, and you don’t need to disclose this.

Examples of cosmetic renovations include re-painting, installing new carpet or replacing a toilet. If you’re unsure if your works are cosmetic, send us an email to [email protected] with full details of the works.

Structural Changes

If your renovation involves any kind of structural alterations to the property, construction-related losses won’t be covered by your standard house insurance policy.  Any work that involves removing cladding or roofing will not be covered by your initio policy and will require a contract works insurance.

A Contract Works policy is required to insure the work and your home for construction related losses. This might include losses following water leaking in through exposed cladding or structural damage caused by the work itself. For our guide on when Contract Works cover is required, see here.

If you need contract works insurance, we’ve partnered with Builtin to offer you a suitable solution. Like initio, BuiltIn are underwritten by IAG so this means that you will have the same ultimate underwriter for the house and contract works risk, which is important.  You should insure the scope of works (and the existing home with built in for construction perils).  The contract works cover and your initio policy work together to cover standard and building risks during the period of construction.

Examples of structural changes include re-roofing, removing a load-bearing wall or an extension onto your home. If you’re doing work but you’re not sure if it’s structural, email [email protected] with full details of the scope.

Related Articles:

• Take the house insurance flip quiz
• When do I need contract works insurance?
• House flip insurance
• What is covered by a house flip insurance policy?