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For most of us, our house is our single most valuable asset. Whether it's your family home, a bach or a rental property we can help protect you against loss and damage.
Home insurance protects against the unwanted. It gives you cover for the big events like fires and floods, earthquakes, landslides, as well as the smaller accidents like broken windows, fences and burst pipes. You might think the chances of something like that happening where you live are small, but recent events tell us that no where in New Zealand is necessarily immune to natural disasters.
There are different types of home insurance to choose from:
|Replacement sum house insurance||This can cover you for accidental loss and damage policy or for a defined event only, depending on your situation|
|Indemnity sum house insurance||Cover for defined events only, limited to indemnity value. Indemnity value insurance aims to return you to the same financial position as immediately before the loss occurred.|
|Tenanted house insurance||Accidental loss and damage cover for your tenanted property|
|Holiday house insurance||The cover depends on several factors including where the home is and how often you visit it|
Most home insurance policies cover your house for up to a maximum specified amount or 'Sum Insured'.
In the event of a disaster, we'll use your Sum Insured to repair or rebuild your home. You are in control of setting your own Sum Insured for your home insurance policy, and ensuring your rebuild cost is kept up to date if renovations or other improvements are made.
Get peace of mind that your Sum Insured is as accurate as possible, so if needed, you’ll have enough money to rebuild your home. Our brokers are here to help you understand exactly how home insurance works and what situations you’re insured against. We’ll guide you through the process of setting the Sum Insured and work with you to make sure your home is protected with the right cover.
We can cover the replacement cost of your home contents as well as your house. You’ve invested a lot of effort and money to get the possessions you value so it makes sense to insure them. Our brokers work with you to determine the right cover and if a claim occurs they'll go into bat for you, advocating for settlement of your claim with the insurer on your behalf.
Single trip, annual and educational travel solutions.
Cover for your personal or business vehicles.
Essential cover for your rental or investment properties.
Insurance for watercrafts of all shapes and sizes.
Cover and protection for your biggest and often most valuable asset.
Protection for your personal items.
Motorcycle cover for all types of bikes from scooters to motorbikes.
Life insurance for business keeps your business working when you or other key people can’t.