Looking for house insurance?

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Compare our house insurance

We have two flexible cover options to choose from. If you're unsure of what the best house insurance is for you, check out our house insurance buyers guide.

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Save up to 20% with our multi-policy discount

Buy multiple car, house, contents policies and save up to 20%. Ts&Cs apply.

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.

Natural disaster damage

We have optional benefits to cover cyclone, earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

Guide to buying house insurance

Our house insurance policies include

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Landscaping

You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.

Landscaping

You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.

Up to $1,500

Landscaping

You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.

Replacement to sum insured

If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild it.

Replacement to sum insured

If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild it.

Replacement to sum insured

If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild it.

Gradual damage

We'll repair damage to your home, which is caused over time by a leak or overflow from an internal waterpipe, hose or tank.

Gradual damage

We'll repair damage to your home, which is caused over time by a leak or overflow from an internal waterpipe, hose or tank.

Up to $1,000

Gradual damage

We'll repair damage to your home, which is caused over time by a leak or overflow from an internal waterpipe, hose or tank.

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.

Up to $10,000

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.

Up to $5,000

Key and locks

We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.

Key and locks

We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.

Up to $500

Key and locks

We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.

Up to $250

House under minor alteration

Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.

House under minor alteration

Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.

Up to $20,000

House under minor alteration

Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.

Up to $10,000

Liability protection

If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.

Liability protection

If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.

Up to $500,000

Liability protection

If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.

Up to $500,000

Pay only one excess

Pay only one excess when claiming on multiple policies for a single incident at the same address.

Pay only one excess

Pay only one excess when claiming on multiple policies for a single incident at the same address.

Pay only one excess

Pay only one excess when claiming on multiple policies for a single incident at the same address.

No claims bonus

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.

No claims bonus

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.

No claims bonus

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.

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.

Earthquake

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

Earthquake

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

Gale, windstorm, hurricane, cyclone

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

Gale, windstorm, hurricane, cyclone

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

Gale, windstorm, hurricane, cyclone

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

Loss of rent for damage to your house

We'll pay loss of rent if your house becomes uninhabitable.

Loss of rent for damage to your house

We'll pay loss of rent if your house becomes uninhabitable.

Loss of rent for damage to your house

We'll pay loss of rent if your house becomes uninhabitable.

Landlord's whiteware and window coverings

We'll pay for loss to your landlord's whiteware and curtains, drapes or blinds.

Landlord's whiteware and window coverings

We'll pay for loss to your landlord's whiteware and curtains, drapes or blinds.

Up to $7,500

Landlord's whiteware and window coverings

We'll pay for loss to your landlord's whiteware and curtains, drapes or blinds.

Up to $5,000

Policy wording

Download Policy wording

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House insurance FAQs

How much should I insure my house for?

It's important that the amount you insure your house for is enough to cover all costs to rebuild your house. This includes things like demolition costs, debris removal, professional fees and council fees.

Is my house covered when I'm on holiday?

You don't have to tell us if your house is unoccupied for a short period of time – you'll still be covered. But please let us know if your house will be unoccupied for more than 60 consecutive days. An additional excess may apply if your house in unoccupied for an extended period.

Looking to insure your holiday home? Just call us on +679 331 5955 and we'll tell you how we can help.

What if I rent out my house?

If you're a landlord and you tell us your house is a rental property when you take out your policy, we’ll cover any window coverings, whiteware or household appliances you provide for your tenants, as an optional benefit.

Limits do apply, so make sure you check your policy wording before making a claim.

Do I get a discount if I insure my house and contents?

Yes! If you have two or more car, house and contents policies with us you could save up to 20% off your premiums (Ts&Cs apply). Also, if a single event means you need to claim on more than one policy, you'll only need to pay one excess. The highest excess applies. Get a quote today.

Am I covered for earthquakes and other disasters?

If you have added optional earthquake cover to your policy and your house is damaged by an earthquake, your Tower House insurance covers you up to your sum insured for the cost to repair or rebuild your house.

For more detailed information, check the Plus and Standard house policies or call us on +679 331 5955.

Am I covered for cyclones?

You can add optional gale, windstorm, hurricane and cyclone cover to your policy. If you choose this cover, you must provide us with a cyclone certificate for your house.

Cyclone certificates should be issued by an engineer we have approved. If you choose to get a cyclone certificate from an engineer that is not on our approved list, we may not be able to accept it. Check our list of approved engineers.

Is general wear and tear to the house covered?

Damage to your home made through daily life, ageing and normal wear and tear is not covered. However, we do cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose. Limits apply.

Is damage caused by pets covered?

We are pet lovers too, and know that from time to time they are not always as well behaved as you may like. Unfortunately, our policies don’t cover damage to your house or furnishings caused by your pet.