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House insurance

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

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Tower Insurance

Compare house insurance

This is a summary only. You can read the full list of benefits, terms and conditions in our House Plus and House Standard policy wordings.
 

Plus

Standard

Basis of settlement

This is how we will settle any accepted claim that you make under your policy.

Plus

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Replacement up to sum insured

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Replacement up to sum insured

One event, one excess

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.

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Standard

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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.

Plus

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Standard

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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.

Plus

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$500

Standard

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$250

Gradual damage to your house

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.

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$1,000

Standard

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Nil

Temporary accommodation expenses

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

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$10,000

Standard

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$5,000

Landscaping

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

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$1,000

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Nil

Optional benefits

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.

Earthquake

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

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Standard

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Gale, windstorm, hurricane, cyclone

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

Plus

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Standard

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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 insurance choice of cover

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

house insurance one event one excess
contents insurance cyclone cover

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)

Cyclone safety tips

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