House insurance

Sleep easy knowing your home is protected. Choose from three flexible levels of cover.

Call us on +679 331 5955 or request a quote online.

Compare our house insurance

These are summaries only. You can read the full list of benefits, terms and conditions in our policy wordings.

Liability cover

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

Premier Executive
Up to $500,000
Premier Super Thrifti
Up to $250,000
Most popular

No-claims bonus

A discount if you have been claims free with us for 12 months. You'll get an extra bonus after a further 12 months.


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.


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.


Temporary accommodation expenses

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


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

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


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 - please check policy wording

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


Gradual damage

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


Fines and legal defence costs. Additional $500 excess applies.

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.


Premier Executive
Up to $20,000

Premier Super Thrifti
Up to $20,000
Most popular

Optional benefits




Earthquake

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


Premier Executive
Up to sum insured

Premier Super Thrifti
Up to sum insured
Most popular

Premier Basic Thrifti
Up to sum insured

Gale, windstorm, hurricane, cyclone

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


Premier Executive
Up to sum insured

Premier Super Thrifti
Up to sum insured
Most popular

Premier Basic Thrifti
Up to sum insured

Loss of rent and landlords fixtures and fittings - Up to $15,000 or six months rent Indemnity value up to $5,000 for home appliances, furniture and chattels

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.


Premier Executive

Premier Super Thrifti
Most popular

Premier Basic Thrifti

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.

Fiji house rebuild

Watch our latest video to see how we repaired this customer’s house after Cyclone Winston.

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.

Cyclone cover

Important reminder regarding the Cyclone cover optional special benefit. Please read to make sure you are adequately covered if you have elected this option.

Important reminder about cyclone cover (PDF, 51KB)

Cyclone safety tips