Home and contents insurance, made simple.

House insurance covers the building and permanent fixtures, and pays to repair or rebuild after events like fire, storms and natural hazards. Contents insurance covers the things you would take with you if you moved, and protects them against events like fire, theft and accidental damage. Most homeowners hold both, while renters usually just need contents.

If you own your home, both are worth having, because house insurance rebuilds the structure and contents insurance replaces what is inside it. Your mortgage lender will usually require house insurance, while contents is your choice, though it is easy to underestimate what your belongings are worth. If you rent, you generally only need contents insurance, since your landlord insures the building.

Yes. Cove offers house insurance and contents insurance as two separate policies. You can take out one or both, buy each online in a few minutes, and manage them together in My Cove.

Yes. Although house and contents are separate policies, you buy both online and manage them together in My Cove, where you can see and update everything in one place, any time.

There is no single price, because it depends on things like where you live, your home's rebuild cost, how much your contents are worth, and the excesses you choose. Contents cover usually costs a good deal less than house cover. The quickest way to find your price is to get a quote, which only takes a few minutes with Cove.

Yes. Cove offers contents insurance on its own, without needing a house policy, which suits renters, flatmates and anyone who wants to protect their belongings but does not own the building. If you own your home, you can hold contents alongside your house cover instead.

There is no law requiring house insurance, but if you have a mortgage your lender will almost always require it as a condition of the loan. It protects one of your largest assets, so most owners keep it in place even once the mortgage is paid off.

Yes. Natural hazard damage to your home, from events like earthquakes, landslips and tsunami, is covered through the Natural Hazards Commission Toka Tū Ake and your house insurer. Your belongings are no longer covered by the government scheme, so your private contents insurance is what protects them against natural disasters. Holding both means the building and its contents are covered.

Head to the Cove website, enter your address and a few details, and you can get a home and contents quote online in about five minutes. You can buy on the spot and choose to start your cover immediately or from a date that suits you.

For most standard homes you can get covered straight away, fully online. Unusual or higher-risk properties may need a quick manual review first.