House insurance

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

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

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.

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

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

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.

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

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

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

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

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.