A total loss in house insurance is when a home is damaged so badly that it needs to be fully rebuilt, or partial repairs will cost more than the sum insured. In most cases, this happens after a major insured event… Learn more
Loss of rent cover is included with initio landlord insurance. Find out when loss of rent is covered, how long cover can apply, and what happens if your tenant stops paying rent or your rental becomes uninhabitable. Does initio landlord insurance include loss of rent cover? Yes… Learn more
Meth contamination claims aren’t common, but when they do happen, they can be complex. Here’s a simple guide to how the process works with initio and what to expect. Key takeaways Regular meth testing isn’t an insurance requirement, but the article recommends testing at key… Learn more
As a landlord, you work hard to provide safe and comfortable homes for your tenants. But were you aware that a significant portion of rental-related claims stem from criminal activity? Key takeaways Criminal activity can create significant risks for rental properties, including burglary, theft, malicious damage,… Learn more
Found intentional damage at your rental property? Don’t worry, your Initio landlord insurance policy covers up to $25,000 of intentional damage by tenants. If you’ve found holes in walls, smashed windows, graffiti etc, please follow our below steps. Key takeaways Landlords… Learn more
The answer is, it depends. There are circumstances where a tenant is considered liable, but this can be a little murky. Key takeaways A tenant can be held fully responsible for intentional damage they cause to a rental property. For careless damage, a tenant can be responsible for up… Learn more
The Government recently commissioned Sir Peter Gluckman to prepare a report on meth. The report identified that in other countries meth investigations focused on identifying meth labs, and that the New Zealand approach is to hold meth labs and meth smoking to the same standard. This has caused a… Learn more
Finding out your property is contaminated with meth can be scary. Here’s a quick few tips to helping you through making and managing a claim. Key takeaways If meth is detected through a base-level composite test or self-testing kit, the next step is to arrange a full detailed room-by-room… Learn more