Home Insurance

Home is where the heart is, protect what's most important to you with our range of home insurance products.  With a wide variety of benefits available, you can choose the one that best suits your needs.

Our Policies

Distinction Home

With generous sums insured, a wealth of enhanced policy features, and added benefits, Distinction Home insurance is designed to provide exceptional house cover.

It includes a complimentary rebuild valuation service, cover that goes beyond your home sum insured, $150,000 for temporary accommodation that meets your lifestyle, and more.

Discover Distinction Home

Echelon Home

Great practical cover, our most popular policy. It will give you the confidence to know you’re covered up to a maximum specified amount should something happen to your home. Automatic additional benefits include cover for alternative accommodation and your legal liability for bodily injury to others.

Your guide to Methamphetamine contamination

We know Meth contamination is a prominent issue so it's best to take precautions and never assume your rental or property is safe. We've prepared this handy guide to help 

We've prepared this handy guide to help keep your home safe.

Supplier Search Tool

We've got a nationwide network of highly skilled, approved suppliers who are committed to getting you and your home up and running – find one in your area with our supplier search tool. 

What is total sum insured?

Homes are covered on a total sum insured basis. This means that instead of being insured for an unspecified replacement cost or market value, you are insured for up to a maximum amount that you specify. That amount is your total sum insured.

It is important you ensure that the total sum insured amount on your policy schedule reflects the likely cost of rebuilding your home (if you have a replacement value policy) or likely market value of your home (if you have a present value policy), together with special features, recreational features and/or retaining walls specified on the Policy Schedule. If you set your total sum insured too low, you may not have adequate coverage in the event of a loss to your home. If your sum insured is too high, you may be paying too much premium.

Visit our sum insured page for more information about sum insured and how to calculate yours.

If you have any questions or would like changes to be made, please contact your insurance broker. 

Cover for compulsory evacuation

Being required to evacuate your home by an authority in an emergency is stressful, and alternative accommodation during this time can be costly. So, from 1 October 2021, we’re helping cover the cost of alternative accommodation while it is unsafe for you and your family to be in your home, up to the limits outlined in your policy:

  • if you’re required to evacuate your principal residence by a local authority or government agency (like a council, Civil Defence, NZ Police or Fire and Emergency NZ)
  • because your property is at risk of damage, from an event that would be covered under your policy, and
  • where you have an Alternative Accommodation benefit.

Find out more about cover for alternative accommodation costs

Loss of Rent cover in a compulsory evacuation

From 1 October 2021, where you have a Loss of Rent benefit under your Landlord’s cover policy, this benefit will also provide cover:

  • if the property is temporarily vacant (it is habitable and undamaged and ready to be tenanted), and
  • where you are unable to get new tenants because an official evacuation order is in place, and
  • where we can reasonably expect that your property is at risk of damage, from an event that would be covered by your policy.

Find out what compulsory evacuation means for your Loss of Rent cover.