Premium breakdown
This quote is valid for 21 days. All prices include GST and applicable Govt levies.
View policy wording
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Call 0800 100 200 with your quote number:
Monday to Friday 8:00am - 8:00pm
Saturday and Sunday 9:00am - 6:00pm
Public holidays 9:00am - 6:00pm
Example of address:
7 Fanshawe Street, AUCKLAND CENTRAL, AUCKLAND 1010
Apartment 321, Empire Apartments, 21 Whitaker Place, GRAFTON, AUCKLAND 1010
Suite 1, 1 Rhone Avenue, TE ATATU PENINSULA, AUCKLAND 0610
Unit 3C, 84 Gunner, TE ATATU PENINSULA, AUCKLAND 0610
6 South Head Road 1, HELENSVILLE 0874
Owner Occupied
the owner of the house (i.e. the person named as the insured) and personally lives in it.
Owner + Boarder
boarders live in the main part of the home along with the owner(s).
Owner + Tenant
two separate dwellings are on the property and one is rented out to tenants (for example, a home and income situation with a self-contained flat attached)
Let 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.
Holiday Home
used as a holiday home by the owner. May occasionally be loaned to friends and family or let occasionally.
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
lived in by family members or employees of the insured.
Boarding House
contains more than one boarding room that are individually leased to people to use either short or long term, and do not have self-contained facilities. The people who lease the rooms have to use communal facilities, such as bathroom(s), lounge (if there is one) and kitchen.
Owner Occupied
the owner of the house (i.e. the person named as the insured) and personally lives in it.
Holiday Home
used as a holiday home by the owner. May occasionally be loaned to friends and family or let occasionally.
Boarder
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.
Let 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.
Employee/relative
lived in by family members or employees of the insured.
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.
If you choose this option and you make a claim for damage to your carpet or curtains where replacement is required, we will pay to:
- replace your carpet or curtains in the room where the damage occurred, and
- replace any matching carpet or curtains in other rooms if a matching replacement cannot be obtained for the room where the damage occurred.
Present value is the value of an item immediately before the loss or damage occurred, taking into account wear and tear and depreciation.
Self-contained means they have their own living, sleeping, bathing and cooking facilities.
Your local council will have further details on whether your property is located in an identified Natural Hazard risk area
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 or coins.
Freestanding House
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.
Apartment
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.
Boarding House
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).
Brick Veneer
brickwork over a wooden or metal framing. Includes Oamaru and Summerhill stone.
Concrete Block Veneer
concrete block over a wooden or metal framing
Double Brick
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
Mud Brick
bricks made of dried mud
Metal
includes steel, aluminium, galvanised iron, zincalum
Natural Stone
includes sandstone and schist
Rockcote EPS
cladding comprising a sandwich of polystyrene within the cladding
Solid Concrete Walls
solid concrete
Stucco
cladding comprising of an aggregate and a binder
Timber / Weatherboard
all structural and external cladding is made of timber
Fibro
includes corrugated fibro, fibre cement or asbestos sheeting
Tin/Colourbond
metal sheeting including corrugated iron, zincalume, Kliplock, aluminium roofing, Decrabond, Decramastic tiles, Coloursteel, steel tiles, galvanised iron, or any other metal roofing material
Concrete
includes cement, stone, roughcast
Terracotta/Clay Tiles
tiles constructed of baked clay
Slate
small pieces of stone fitted together and overlapping
Shingles
small pieces of timber fitted together and overlapping
Cement tiles
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.
This includes all levels, attached garage, conservatories and developed basements but excludes decking.
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.