Sleep easy knowing your home is protected. Choose from three flexible levels of cover.
Compare our house insurance
We’ll repair loss or damage to your swimming and spa pool pumps and motors caused by fire or impact. Replacement or indemnity value.
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.
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.
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
Important reminder regarding the Cyclone cover optional special benefit. Please read to make sure you are adequately covered if you have elected this option.