Disaster can strike at any time, so it’s smart to get your house insurance sorted as soon as the contracts are exchanged. That way, your new home is never without cover and you won't be stuck with a bill for something that happens before you’ve even moved in. All policies are arranged by TSB in conjunction with one of New Zealand’s leading insurers, Tower.
HOUSE INSURANCE Why insure your home with us? Full replacement for fire If your home is destroyed by fire, we’ll rebuild it, even if it costs more than your sum insured. Multi-policy discount Save up to 20% when you take out two or more policies with us.Ts&Cs apply. LEARN MORE One event, one excess If one incident means you need to claim on multiple policies with us, you’ll only pay one excess. The highest excess applies. Key benefits House owner’s liability You're covered for claims made against you as a result of accidents at your house that cause damage to someone else's property. Temporary accommodation expenses If your house becomes uninhabitable as a result of a covered event, we’ll also pay for temporary accommodation. This also includes any boarding fees for your pets. Natural disaster damage If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured. Tenanted houses If you rent your house to tenants, family or friends, we can cover those extra things that you need as a landlord, such as loss of rent cover, and cover for deliberate damage caused by your tenants. Please note: This is a summary only and is subject to the policy terms and conditions. YOUR OPTIONS Compare house insurance This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings. Cover benefits compared Premium cover Plus cover Standard cover Landlord’s plus cover Basis of settlement Replacement to sum insured Replacement to sum insured Replacement to sum insured Replacement to sum insured Full replacement for fire One event - one excess Liability protection $20m $20m $20m $20m Bodily injury $100,000 $100,000 $100,000 $100,000 Natural disaster damage No claims bonus Gradual damage to your house $3,000 $2,000 $1,000 $2,000 Landscaping $5,000 $2,000 $1,000 $2,000 Garden retaining walls $50,000 $25,000 $15,000 $25,000 Temporary accommodation $30,000 $25,000 $15,000 Keys and locks lost or stolen $2,000 $1,000 $500 House under minor alteration $50,000 $20,000 $20,000 Demand surge protection 15% 10% 10% Stress benefit lump sum payment $2,000 $1,000 Glass breakage reduced excess $50 excess $100 excess Carpets extended replacement Landlord's benefits Premium cover Plus cover Standard cover Landlord’s plus cover Loss of rent damage to your house 8 months Loss of rent for other reasons 8 weeks Methamphetamine decontamination $30,000 Deliberate damage $20,000 Landlord's whiteware and window coverings $20,000 Optional benefits Premium cover Plus cover Standard cover Landlord’s plus cover Garden retaining walls Sum insured Sum insured Sum insured Sum insured Special features Sum insured Sum insured Sum insured Sum insured YOUR HOUSE Sum insured The sum insured is the maximum amount we'll pay to rebuild your house in the event of a total loss, so it's important you have sufficient cover. This is an amount you choose when you take out your cover, you can update it later on if something changes. Calculating your sum insured It's important to choose a sum insured value that's right for your property so you're fully covered if the worst happens. Here are a couple of ways to get a sum insured estimate: Sum Sure calculator The Cordell Sum Sure calculator is a free tool that uses information about your property to provide an estimated reconstruction cost, including professional fees, demolition, removal of debris and GST. The calculator shows you information that is public record, but you know your house better than anyone. If you know some details are incorrect or out of date you can correct them for a more accurate estimate. Use the Sum Sure calculator Hire a professional For a more accurate estimate of your sum insured, you could employ an expert such as a registered valuer, a quantity surveyor, or a licensed builder. For a fee, these building professionals can visit your property and provide a more detailed evaluation of your property and how much it would cost to rebuild. GET A QUOTE GET A QUOTE & BUY ONLINE Call 0800 872 226 FIND A BRANCH Terms and Conditions Tower Insurance Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Insurance Limited. TSB Bank Limited receives a commission from the sale of insurance policies sold on behalf of Tower. TSB Bank Limited does not guarantee these insurance products marketed on behalf of Tower Insurance and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Insurance Limited or any involved third party. Full terms, conditions and exclusions are available in the Policy Wording. Tower’s credit rating can be viewed here.
Full replacement for fire If your home is destroyed by fire, we’ll rebuild it, even if it costs more than your sum insured.
Multi-policy discount Save up to 20% when you take out two or more policies with us.Ts&Cs apply. LEARN MORE
One event, one excess If one incident means you need to claim on multiple policies with us, you’ll only pay one excess. The highest excess applies.
House owner’s liability You're covered for claims made against you as a result of accidents at your house that cause damage to someone else's property. Temporary accommodation expenses If your house becomes uninhabitable as a result of a covered event, we’ll also pay for temporary accommodation. This also includes any boarding fees for your pets.
House owner’s liability You're covered for claims made against you as a result of accidents at your house that cause damage to someone else's property.
Temporary accommodation expenses If your house becomes uninhabitable as a result of a covered event, we’ll also pay for temporary accommodation. This also includes any boarding fees for your pets.
Natural disaster damage If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured. Tenanted houses If you rent your house to tenants, family or friends, we can cover those extra things that you need as a landlord, such as loss of rent cover, and cover for deliberate damage caused by your tenants.
Natural disaster damage If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured.
Tenanted houses If you rent your house to tenants, family or friends, we can cover those extra things that you need as a landlord, such as loss of rent cover, and cover for deliberate damage caused by your tenants.
YOUR OPTIONS Compare house insurance This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings. Cover benefits compared Premium cover Plus cover Standard cover Landlord’s plus cover Basis of settlement Replacement to sum insured Replacement to sum insured Replacement to sum insured Replacement to sum insured Full replacement for fire One event - one excess Liability protection $20m $20m $20m $20m Bodily injury $100,000 $100,000 $100,000 $100,000 Natural disaster damage No claims bonus Gradual damage to your house $3,000 $2,000 $1,000 $2,000 Landscaping $5,000 $2,000 $1,000 $2,000 Garden retaining walls $50,000 $25,000 $15,000 $25,000 Temporary accommodation $30,000 $25,000 $15,000 Keys and locks lost or stolen $2,000 $1,000 $500 House under minor alteration $50,000 $20,000 $20,000 Demand surge protection 15% 10% 10% Stress benefit lump sum payment $2,000 $1,000 Glass breakage reduced excess $50 excess $100 excess Carpets extended replacement Landlord's benefits Premium cover Plus cover Standard cover Landlord’s plus cover Loss of rent damage to your house 8 months Loss of rent for other reasons 8 weeks Methamphetamine decontamination $30,000 Deliberate damage $20,000 Landlord's whiteware and window coverings $20,000 Optional benefits Premium cover Plus cover Standard cover Landlord’s plus cover Garden retaining walls Sum insured Sum insured Sum insured Sum insured Special features Sum insured Sum insured Sum insured Sum insured
YOUR OPTIONS Compare house insurance This is a summary only, you can read the full list of benefits, terms and conditions in our policy wordings.
Cover benefits compared Premium cover Plus cover Standard cover Landlord’s plus cover Basis of settlement Replacement to sum insured Replacement to sum insured Replacement to sum insured Replacement to sum insured Full replacement for fire One event - one excess Liability protection $20m $20m $20m $20m Bodily injury $100,000 $100,000 $100,000 $100,000 Natural disaster damage No claims bonus Gradual damage to your house $3,000 $2,000 $1,000 $2,000 Landscaping $5,000 $2,000 $1,000 $2,000 Garden retaining walls $50,000 $25,000 $15,000 $25,000 Temporary accommodation $30,000 $25,000 $15,000 Keys and locks lost or stolen $2,000 $1,000 $500 House under minor alteration $50,000 $20,000 $20,000 Demand surge protection 15% 10% 10% Stress benefit lump sum payment $2,000 $1,000 Glass breakage reduced excess $50 excess $100 excess Carpets extended replacement
Landlord's benefits Premium cover Plus cover Standard cover Landlord’s plus cover Loss of rent damage to your house 8 months Loss of rent for other reasons 8 weeks Methamphetamine decontamination $30,000 Deliberate damage $20,000 Landlord's whiteware and window coverings $20,000
Optional benefits Premium cover Plus cover Standard cover Landlord’s plus cover Garden retaining walls Sum insured Sum insured Sum insured Sum insured Special features Sum insured Sum insured Sum insured Sum insured
YOUR HOUSE Sum insured The sum insured is the maximum amount we'll pay to rebuild your house in the event of a total loss, so it's important you have sufficient cover. This is an amount you choose when you take out your cover, you can update it later on if something changes. Calculating your sum insured It's important to choose a sum insured value that's right for your property so you're fully covered if the worst happens. Here are a couple of ways to get a sum insured estimate: Sum Sure calculator The Cordell Sum Sure calculator is a free tool that uses information about your property to provide an estimated reconstruction cost, including professional fees, demolition, removal of debris and GST. The calculator shows you information that is public record, but you know your house better than anyone. If you know some details are incorrect or out of date you can correct them for a more accurate estimate. Use the Sum Sure calculator Hire a professional For a more accurate estimate of your sum insured, you could employ an expert such as a registered valuer, a quantity surveyor, or a licensed builder. For a fee, these building professionals can visit your property and provide a more detailed evaluation of your property and how much it would cost to rebuild.
YOUR HOUSE Sum insured The sum insured is the maximum amount we'll pay to rebuild your house in the event of a total loss, so it's important you have sufficient cover. This is an amount you choose when you take out your cover, you can update it later on if something changes. Calculating your sum insured It's important to choose a sum insured value that's right for your property so you're fully covered if the worst happens. Here are a couple of ways to get a sum insured estimate:
Sum Sure calculator The Cordell Sum Sure calculator is a free tool that uses information about your property to provide an estimated reconstruction cost, including professional fees, demolition, removal of debris and GST. The calculator shows you information that is public record, but you know your house better than anyone. If you know some details are incorrect or out of date you can correct them for a more accurate estimate. Use the Sum Sure calculator Hire a professional For a more accurate estimate of your sum insured, you could employ an expert such as a registered valuer, a quantity surveyor, or a licensed builder. For a fee, these building professionals can visit your property and provide a more detailed evaluation of your property and how much it would cost to rebuild.
The Cordell Sum Sure calculator is a free tool that uses information about your property to provide an estimated reconstruction cost, including professional fees, demolition, removal of debris and GST. The calculator shows you information that is public record, but you know your house better than anyone. If you know some details are incorrect or out of date you can correct them for a more accurate estimate. Use the Sum Sure calculator
Terms and Conditions Tower Insurance Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Insurance Limited. TSB Bank Limited receives a commission from the sale of insurance policies sold on behalf of Tower. TSB Bank Limited does not guarantee these insurance products marketed on behalf of Tower Insurance and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Insurance Limited or any involved third party. Full terms, conditions and exclusions are available in the Policy Wording. Tower’s credit rating can be viewed here.
Tower Insurance Limited underwrites all contracts of house, contents and motor cover, and the contracts of insurance are between you and Tower Insurance Limited. TSB Bank Limited receives a commission from the sale of insurance policies sold on behalf of Tower. TSB Bank Limited does not guarantee these insurance products marketed on behalf of Tower Insurance and is not liable if the insurer declines to pay a claim. Any claims issues are between the insured person(s) and Tower Insurance Limited or any involved third party. Full terms, conditions and exclusions are available in the Policy Wording. Tower’s credit rating can be viewed here.
