House insurance
Sleep easy knowing your home is protected. Choose from two flexible levels of cover.
Compare house insurance
Plus
Standard
This is how we will settle any accepted claim that you make under your policy.
Plus
Replacement up to sum insured
Standard
Replacement up to sum insured
If your house suffers loss and we’ve accepted your claim, and we accept a claim from the same event for loss to your contents or your domestic vehicle or boat that we also insure, you’ll only pay one excess.
Plus
Standard
A discount if you have been claims free with us for 12 months. You'll get an extra bonus after a further 12 months.
Plus
Standard
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.
Plus
$500
Standard
$250
Loss from gradual deterioration including damage arising from or involving action of micro-organisms, atmospheric or climatic conditions, corrosion, fungi, rust, rot, mildew, mould, smoke or particles.
Plus
$1,000
Standard
Nil
We'll cover temporary accommodation expenses if your house is damaged and is uninhabitable as a result.
Plus
$10,000
Standard
$5,000
We’ll repair damage to your landscaping if it’s caused by a fire or vehicle that also caused damage to your house.
Plus
$1,000
Standard
Nil
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.
We’ll cover the loss or damage to your house caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Plus
Standard
We’ll cover the loss or damage to your house caused by a gale, windstorm, hurricane or cyclone.
Plus
Standard
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)
List of Approved Engineers to issue Cyclone Engineers Certificates (PDF, 225KB)
