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House insurance

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  • Sleep easy knowing your home is protected
  • Choose from three flexible levels of cover
  • Get a quote in one easy phone call.

Compare house insurance options

 Premier Executive
House
Premier Super
Thrifti House
Premier (Basic)
Thrifti House
Base cover
Base coverCovers you for sudden and unforeseen accidental physical loss or damage to your house (such as fire, lightning, explosion, thunderbolt) unless the loss or damage is not covered by the policy. Covers you for sudden and unforeseen accidental physical loss or damage to your house caused by:

  • fire, lightning, explosion, thunderbolt

  • impact by vehicles, animals

  • aircraft, aerial devices

  • water discharged, overflowing or leaking from any water or cooling system

  • strike, riot, civil commotion

  • burglary, theft, malicious acts

  • breakage of fixed glass, mirrors, light fittings, hand basins, sinks, toilet pans, cisterns

  • falling trees or branches not caused by you or someone under your instruction

  • accidental damage for which you are responsible to underground services between the house and the public mains

unless the loss or damage is not covered by this policy.
Covers you for sudden and unforeseen accidental physical loss or damage to your house caused by:

  • fire, lightning, explosion, thunderbolt

  • impact by vehicles, animals

  • aircraft, aerial devices

  • water discharged, overflowing or leaking from any water or cooling system

  • strike, riot, civil commotion

  • malicious acts

unless the loss or damage is not covered by this policy.
Liability cover
Liability cover

Liability cover
Covers you if an accident happens at your house which causes loss or damage to property or bodily injury.

Up to $500,000Up to $250,000
Special benefits
No claims bonus

No claims bonus
A discount if you have been claims free with us for 12 months.



An ‘Extra No Claims Bonus’ after a further 12 months


An ‘Extra No Claims Bonus’ after a further 12 months


An ‘Extra No Claims Bonus’ after a further 12 months
Replacement keys and locks (no excess)

Replacement keys and locks (no excess)
If your house keys are stolen or illegally duplicated, we will pay for replacement keys and locks, as well as the costs of opening a safe if the key or combination is lost or stolen.

Up to $500Up to $500
Property security after loss

Property security after loss
If your house is damaged we will arrange to temporarily secure your property to prevent further loss or damage while it is unoccupied.

Up to $2,000Up to $2,000
Temporary accommodation expenses

Temporary accommodation expenses
We'll cover temporary accommodation expenses if your house is damaged and is uninhabitable as a result.

Up to $10,000Up to $5,000
One event - one excess

One event - one excess
If one event causes you to claim under two or more of your TOWER policies - such as your house, contents and vehicle, you will only have to pay one excess.

Landscaping


Landscaping
We’ll repair damage to your landscaping if it’s caused by a fire or vehicle that also caused damage to your house.

Up to $1,500
Retaining walls


Retaining walls
We’ll repair loss or damage to your retaining walls caused by fire or impact by a vehicle.

Swimming and spa pool pumps and motors

Swimming and spa pool pumps and motors
We’ll repair loss or damage to your swimming and spa pool pumps and motors caused by fire or impact.

Replacement value
Swimming and spa pool pumps and motors

Swimming and spa pool pumps and motors
We’ll repair loss or damage to your swimming and spa pool pumps and motors not caused by fire or impact.

Indemnity value
Gradual damage

Gradual damage
We’ll repair the damage to your house caused by a leaking internal water pipe or waste disposal pipe.


Up to $1,000
Fines and legal defence costs

Fines and legal defence costs
We’ll cover the cost of defending a charge or any fine or cash penalty imposed on you by law as a result of an offence under the Health & Safety at Work Act.

Up to $20,000
Additional $500 excess applies
Up to $20,000
Additional $500 excess applies
Optional special benefits
Earthquake

Earthquake
We’ll cover the loss or damage to your house caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

Up to sum insuredUp to sum insuredUp to sum insured
Gale, windstorm, hurricane, cyclone

Gale, windstorm, hurricane, cyclone
We’ll cover the loss or damage to your house caused by a gale, windstorm, hurricane or cyclone.

Up to sum insuredUp to sum insuredUp to sum insured
Loss of rent and landlords fixtures and fittings

Loss of rent and landlords fixtures and fittings
We’ll cover loss of rent and damage to your home appliances, furniture and chattels (including carpets and drapes) if your house is uninhabitable as a result of loss or damage.

Up to $15,000 or six months rent Indemnity value up to $5,000 for home appliances, furniture and chattelsUp to $15,000 or six months rent Indemnity value up to $5,000 for home appliances, furniture and chattels
Higher excess to reduce premium

Higher excess to reduce premium
You can choose a higher excess (to reduce premium)

Need more information?
Download the policy document

Download the policy document
For more information on each product download the policy document.

Download the Premier
Executive House policy document


Click here to download

Download the Premier
Super Thrifti House policy document


Click here to download

Download the Premier
(Basic) Thrifti House policy document


Click here to download

House insurance policies in detail

Premier Executive House Insurance

Premier Super Thrifti House Insurance

Premier (Basic) Thrifti House Insurance

Your choice of cover

Regardless of the policy you’ve selected, you also have the choice of insuring your house for either:

  • Replacement value which covers the cost of rebuilding, replacing or repairing your house to a new condition – up to a maximum of the sum insured; or
  • Indemnity value which is more limited and means we cover the cost of rebuilding or repairing your house to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance – up to a maximum of the sum insured.