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Helpful guides

We have put together a series of info guides to help you with insuring your home, making a claim, and reducing your risk.

Insurance Speak

Insurance is full of jargon and technical language. We have simplified some of the most common and most confusing terms.

Frequently Asked Questions

Coverage

How do I make changes to my cover? How does Covid-19 affect my insurance cover? Policy Wordings Am I covered for Natural Disasters? Are my Hearing Aids covered? How do I insure my own home & a rental at the same address? Is my unoccupied property still covered? Is my water damage ‘Sudden’ or ‘Hidden Gradual’ damage? How do I know what to insure my house for? Do I have glass cover?

Claims

If I claim on my house and my contents what excess(s) do I pay? Help! I’ve had a positive meth test. I’m not happy with my claim, what can I do? How do I make a claim?

Your Property

Can I insure my newly built property that doesn’t have code of compliance issued yet? We bought a damaged investment property, can we make a claim? Who is the reinsurer that Initio uses? Do I really need additional benefits like landlord contents? Can you insure a rental property and attached unit on one policy? My house has been fully renovated, how old is it for insurance? Can you insure my tiny home? How often do I need to do property inspections? Can I insure an un-consented garage? Can I insure a boarding house?

Proposal Questions

Can I pre-purchase a new policy? What is an interested party?

Payment

Can I get a quote? Can I pay with direct debit? Why has my payment failed? Can I pay my insurance monthly? Is my online credit card payment secure? How can I pay my premium?

Account & Policy Changes

How do I get a Certificate of Insurance for my property? How do I change my personal/account details? How do I increase the sum insured or change my policy? How do I cancel my policy? I’ve lost my password! Who insures my policy?

Landlord Insurance

How often do I need to do property inspections? Is my rental property covered for Meth Contamination? Am I covered if tenants damage my property? Why do I need a rental property policy?

Holiday Homes and Rentals

Can I insure my short stay rental unit or house? Is my rental property covered for Meth Contamination? Am I covered if tenants damage my property?

Multi Unit Rental

Can I insure a body corporate? What if my property has two or more living units? E.g. two dwellings under one roof

Helpful Guides

Confirmation of cover request
Getting setup with an online policy
When do I need Contract Works insurance?
How to change your insurance company
How to Read your House Insurance Policy
Market Value Replacement Items
Contents Calculator
Can I hold my tenant responsible for damage?
Is the cause of damage covered?
Tenant Damage - more than one excess?
Your Own Home, that's also rented to guests
Landlord Obligations
Am I covered for loss of rent?
What contents items do I need to specify?
Is Code of Compliance required to insure a house?
Is my house insured for fire?
How are house insurance premiums calculated?
Are you still covered when you rent your house on Airbnb?
How does initio compare?
Five Tips to Insuring in a Flood Zone
Insurance Jargon
Storm Damage Do's and Don'ts.
Understanding the Gluckman Meth Report
Property Management
Insuring Old Houses
Insurance Quote Checklist
How can I insure my Multi Unit Rental Property?
Top 5 Mistakes when Insuring a Home
How to make a claim
How to Calculate your Sum Insured
Landlord Insurance Guide
Reducing Risk as a Landlord

Insurance Speak

A, B, C's of Insurance
Insurance Jargon
Describe your property
Non Disclosure
Fire Emergency Levy (FSL)
EQCover (EQC)
Excess
Self Contained
What is a Multi Unit Rental Property?