Self-contained means they have their own living, sleeping, bathing and cooking facilities.
This includes all levels, attached garage, conservatories and developed basements but excludes decking.
If the house has stairs or split levels, each level is considered separate. For example if the house is not two storeys but it is split across two levels, with one part of the house lower or higher than the other (rather than built on top of each other), you should still enter it as two levels.
Items which should be specified include:
- Any bicycle with a present value over $2,000
- Any single camera or camera accessory over $2,000
- Any single collection worth more than $2,000
- Any single item of jewellery or watch over $1,000
- Any single ornament or work of art over $2,000
Any collection of stamps, medals, phone cards, collector trading cards or coins.
a house that is not joined to any others. This is typically represented on a Certificate of Title as “fee simple”.
Retirement Village Unit
a single fully self-contained unit in a retirement village.
Semi-Detached House / Terrace
a house that is joined to another by either one wall (semi-detached) or by two side walls, that is one of a line of houses that generally have the same exterior appearance (terrace). The dwelling may be more than one storey, but is not joined to another dwelling either above or below.
Flat or Unit
a fully self-contained house that is contained within part of a building, typically part of a small block or as the result of converting a larger house into multiple flats or units.
a house that is part of a building containing multiple dwellings and more than three storeys high. An apartment building may be either solely residential or could have some commercial (retail or office) occupancy.
a house that is rented on a room-by-room basis typically with shared kitchen, bathing and laundry facilities. Also includes houses rented for short-term periods (e.g. periods of less than 30 days).
brickwork over a wooden or metal framing. Includes Oamaru and Summerhill stone.
Concrete Block Veneer
concrete block over a wooden or metal framing
both internal and external walls are made of brick
Fibre cement (also known as fibro)
flat, profiled or corrugated sheeting materials, used as a cladding and lining material. Includes asbestos cement cladding and roughcast
bricks made of dried mud
includes steel, aluminium, galvanised iron, zincalum
includes sandstone and schist
cladding comprising a sandwich of polystyrene within the cladding
Solid Concrete Walls
cladding comprising of an aggregate and a binder
Timber / Weatherboard
all structural and external cladding is made of timber
includes corrugated fibro, fibre cement or asbestos sheeting
metal sheeting including corrugated iron, zincalume, Kliplock, aluminium roofing, Decrabond, Decramastic tiles, Coloursteel, steel tiles, galvanised iron, or any other metal roofing material
includes cement, stone, roughcast
tiles constructed of baked clay
small pieces of stone fitted together and overlapping
small pieces of timber fitted together and overlapping
these are usually grey with a painted coloured surface
For anything that doesn't fit within these categories, use the one from which the majority of the roof is made.
If you are unsure, please enter the approximate year.
This should also include an allowance for demolition, professional fees associated with rebuilding your home, and inflation during the policy period and reconstruction.
This policy excludes any part of the home that is used for business or commercial purposes. If the house is used as a residential rental property with no other business use select Yes.
Present value is the market value of the home excluding the value of the land.
Present value is the reasonable cost to repair or replace an item in New Zealand that is of comparable age, quality and capability, and is in the same general condition.
You will not have to pay any excess for damage to:
- windows (including skylight or leadlight), door glass, fixed glass panes and glass splash backs, and
- baths, hand basins, shower doors, moulded shower cabinet units, bidets, toilet cisterns and bowls, and
- mirrors permanently fixed to your house.
A Code Compliance Certificate confirms that the project has been completed in line with the consented plans and to the requirements of the New Zealand Building Code. Following a satisfactory final inspection it is issued by the council that gave the original consent for the building project.
the owner of the house (i.e. the person named as the insured) and personally lives in it.
used as a holiday home by the owner. May occasionally be loaned to friends and family or let occasionally.
boarder who lives in the main part of the home along with the owner(s).
Tenant in a Rental Property
tenant who lives in the home other than the owner as their place of residence.
Landlord renting to Tenants
the home is lived in by a person or people other than the owner (the insured) as their place of residence, whether rent is paid or not.
Unoccupied for greater than 60 days
no-one lives in the home, for example, it is undergoing renovations, between tenants, or not intended to be lived in.
Employee/Relative of landlord
family member or employee of the insured.
Contents in Storage
the contents is kept in a storage facility
Living in Boarding House
person who leases either short or long term, and do not have self-contained facilities. The person has use to communal facilities, such as bathroom(s), lounge (if there is one) and kitchen.
For contents covered for market value means the value of an item immediately before the loss or damage occurred, taking into account wear and tear and depreciation, or reasonable second hand value.