House insurance basics

Do I have cover when I rent my house on Airbnb?

There’s a different set of risks when you host short term guests, and insurance companies generally don’t like this. Before you list your property on Airbnb you should check that your policy covers holiday-bookings. Effects on Insurance Higher risk guests in your house means that insurers want to know about… Learn more

Am I covered for damage caused by Pets?

Your policy will cover you for sudden and accidental damage caused by a pet.  The main areas to consider in regards to any claim for pet damage.   The damage must relate to a “sudden” and “accidental” event.  For example, if your tenant’s dog… Learn more

Is my house insured for fire?

If you have insurance on your house, you most likely have cover for fires. Unlike some countries, New Zealand house insurance polices automatically cover fires. However, just to be sure you should check your policy wording to see if fire damage is not excluded. All of the initio house insurance… Learn more

Insuring Old Houses

You’ve found your dream house: it’s a gorgeous bungalow from the 1920’s. It’s picture perfect, but will it be hard to get insurance? Why are older houses harder to insure? Before 1935, New Zealand had no unified set of building standards. Some councils had their own bylaws, but many had… Learn more

Five Tips to Insuring in a Flood Zone

Floods are the biggest cause of natural damage to property in New Zealand. Much of our country has a high flood risk, meaning many properties lie in or near flood zones. This makes insurers cautious when it comes to flood-prone houses. The 2017 Edgecumbe flood was one of New Zealand’s… Learn more

Calculate your Sum Insured

The rebuild sum insured is an important part of your insurance policy, so it’s important you take some time to get a good estimate. Rebuild Sum Insured, Not Market Value Your sum insured should equal the cost to fully rebuild your house to its current size and standard,… Learn more

When do I need Contract Works insurance?

If you’re doing alterations or renovations to your house you might be wondering if you’re covered by your normal house insurance policy. Depending on the works involved you may need a Contract Works policy, also known as ‘construction insurance’ or ‘ builders all risks’ cover. Who arranges the cover? If… Learn more

Code of Compliance

Code compliance is generally required to insure a house. But don’t worry, there are situations where we will cover your house without full code compliance. Most Common Reasons for Non-compliance House or addition was built before code compliance requirements Current building code compliance requirements came into force in 1992. This… Learn more

How are house insurance premiums calculated?

As you pay for your insurance you might wonder where your premium is going? And how is it calculated? This guide explains what makes up the cost of house insurance and how it’s calculated.   Insurer Premium This is the insurers cut of the pie and is… Learn more

Is my house covered if I also rent to guests?

Here’s what you need to know to insure your main home if it’s also rented to short-term guests. What can be covered? A shared primary residence If the house is your primary residence, we can cover your own home that’s also rented with our Own Home… Learn more

Am I covered for Natural Disasters?

All our house insurance policies include cover for natural disasters up to the replacement sum insured you select on your policy. The government-owned EQC Commission will cover the first $150,000 of damage. We then cover repair costs over $150,000 and up to your… Learn more

Is my unoccupied property still covered?

If your property is left empty, vacant or unoccupied you don’t need to tell us but there are some things to be aware of. Unless we’ve agreed with you otherwise, the below standard conditions will apply to your cover. Rental Property Cover stays unchanged if your rental property is not… Learn more

Can you insure a tiny home?

Tiny Homes; as the name suggests, are smaller and more affordable houses typically less than 15 metres long that are becoming more popular in New Zealand. Portable Tiny Homes If your Tiny Home or similar portable house is on a trailer we can’t cover it under a standard house insurance… Learn more

Can I insure an un-consented garage?

It’s common for older houses to have un-consented garages. Usually this is because a garage was added to the house without a full code of compliance being approved. This doesn’t necessarily mean the garage isn’t up to standards and can’t be covered. To cover an un-consented garage it will need… Learn more

Can I insure a middle unit in a block?

Our house insurance isn’t set up to cover middle units. It can get very complicated if you make a claim for damage that involves multiple other unit owners and insurance companies. What’s considered a middle unit? If a unit is in a block of flats/townhouses/apartment building that’s physically… Learn more

Do I have glass cover?

There’s broken glass cover under all our house policies. Windscreen and glass damage can also be covered on your car. The excess that applies depends on the policy that’s in place. House Insurance Our home insurance cover has a lower $250 excess for glass, that replaces the standard excess… Learn more

Can I insure my house that's rented to guests?

We can insure properties that are rented out to short term guests like Airbnb, but there are some requirements. You need to use it yourself at least occasionally, and it needs to be capable of being your home when you want it to be. We can’t cover a house or… Learn more

Can I insure a body corporate?

We can not insure properties that are owned under a Body Corporate. Our cover is designed for domestic residential houses that have a single owner. Under a Body Corporate their is a manager that collectively is responsible for insuring all the units on behalf of each owner. This is common… Learn more

Can I insure a house bought in a mortgagee sale?

In most cases insurers won’t provide cover for houses that were sold under a mortgagee sale.  This is because of the increased and known risk associated with this type of property sale.  However, we know that all mortgagee sales are different so can consider cover on a case… Learn more

Are Renovations or Extensions to my home covered?

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… Learn more