Home insurance built around what matters most to you

What’s covered at a glance

A high-level summary of what your home policy includes. Select “Learn more” on any item to see the limits and conditions that apply.

What your house insurance policy covers in detail

Limits, excesses, and conditions apply. For the full details, read the policy wording. Your policy includes…

Accidental Damage at Home

We cover sudden and unforeseen physical loss or damage to your home.

Natural Hazards

Earthquakes, natural landslides, volcanic activity, hydrothermal activity, tsunamis, and any fire resulting from these – we cover your home alongside the Natural Hazards Commission.

SumExtra

If your home costs more to rebuild than your sum insured, SumExtra may help cover the extra cost – but only if you meet the policy conditions, including having an up-to-date rebuild estimate before the loss. For natural hazard claims, the extra cover is limited to 10% of your sum insured. Conditions apply.

Alternative Accommodation

If the home you live in is uninhabitable due to loss or damage that’s covered by the policy, or if you have been prevented from accessing the home by government or local authorities, we’ll pay reasonable additional costs for temporary accommodation (including for your pets). We cover up to $30,000 per event, for up to 12 months.

Legal Liability

As a homeowner, If an accident related to your ownership of the home causes damage, you could be held legally liable for accidental damage to someone else’s property or for accidental injury to another person. We cover the damages or reparation you’re legally liable to pay – up to $2,000,000 for property damage and up to $1,000,000 for bodily injury. The most we’ll pay for all legal liabilities is a combined total of $2,000,000 during any period of insurance.

Retaining Walls

As long as you have included the value of your retaining walls (up to $50,000) when taking out this policy, we cover accidental damage to retaining walls on your property, including walls you share with neighbouring owners, up to $50,000 per event, or possibly more if you have a qualifying pre-loss valuation. Conditions apply.

Gradual damage

Some water damage builds up slowly. We repair hidden gradual damage to your home, which is caused over time by a leak or overflow from an internal water pipe, waste disposal pipe or water storage tank which is hidden from view. We cover it up to $2,000 per event (which includes finding the leak).

Tree Removal

If a tree falls on your home and we accept the claim, we’ll pay to remove any part of the tree that’s necessary to allow repairs to the home – plus up to $2,000 to clear the rest of the tree from your property.

Stolen Keys

Stolen key? Lost key you suspect was copied? Keypad code shared without your say-so? We cover the replacement of your keys and locks if the keys are stolen, or illegally duplicated up to $2,000 per event.

Environmental Improvements

If we’ve accepted a major claim and we’re rebuilding most of your home, we’ll also help cover the extra cost of greener upgrades like rainwater tanks, solar power systems, or compost equipment – up to $3,500.

Stress Payment

If your home is a total loss, we’ll pay you an extra $5,000 on top of your sum insured to help with the stress of starting again.

Costs we’ll pay that are associated with your claim

When we’re fixing or rebuilding your home after a claim, we cover the things that go with it – demolition, clearing the site, removing debris, and reasonable professional fees for architects, surveyors, consultants, lawyers and council, within your sum insured.

Driveways

If your driveway is damaged, we’ll repair the base, the top layer, or both. (We don’t pay to repair the land underneath)

Damage to plants and gardens

We cover damage to your gardens, hedges, trees, shrubs, plants, garden edging and lawns when the same event also damages your home – or when someone else’s vehicle hits them – up to $1,500 per event.

Blocked underground pipes

We cover the reasonable cost of clearing an accidental blockage in an underground water or sewage pipe on your property (not caused by tree roots) – up to $1,500 per year.

Removal of debris

When parts of your home are damaged in a claim we cover, we pay to demolish the damaged parts and clear the site – with no fixed sub-limit within your sum insured.

Resetting your security system

If your alarm activates during a break-in or attempted break-in, we’ll pay the reasonable cost to reset or reprogram it – up to $500 per year.

Electronic programmes

If electronic equipment in your home is damaged in a claim we cover, we’ll pay the reasonable cost to reset, restore or reprogram the software needed to use it.

Power generation equipment

We cover loss or damage to power generation equipment caused by certain events. Power generation equipment means any wind, or fuel powered electricity generation equipment that provides power to your home.

Authorities damage

If government or local authorities damage your home while trying to prevent a loss we would otherwise cover, we’ll cover that damage too.

New building work

Doing some smaller building work at home (under $50,000 total value)? We cover the new work and materials against things like fire, storm, impact and natural hazard, up to $25,000. Note this isn’t a replacement for a full contract works policy.

Temporary removal of fixtures and fittings

When fixtures or fittings from your home are away with a tradesperson for repair, we still cover them for loss – for up to 60 days.

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Frequently asked house insurance questions

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