Key benefits

  • Legal liability cover

    Up to $500,000 for your legal liability if an accident happens at your house which causes loss or damage to other people’s property or injury to someone.

  • Gradual water damage

    Up to $1,000 for gradual damage to your house caused by a leaking internal water pipe or internal waste disposal pipe.

  • Temporary accommodation cover

    Up to $10,000 for temporary accommodation costs if your house is damaged and is uninhabitabe as a result.

  • Keys and locks cover

    Up to $500 for replacement keys and locks – with no excess to pay.

  • One event - one excess

    If one event causes you to claim on two or more of your Tower policies, such as your house, contents and vehicle, you will only have to pay one excess.

This is a summary only. For a full outline of the policy terms, conditions and exclusions please read the policy wording (below) and the certificate of insurance.
Download policy (PDF, 68Kb)

Other motor policies:

Optional benefits

  • Earthquake cover

    Cover for your house if it’s damaged by earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

  • Gale, windstorm, hurricane, cyclone cover

    Provides cover for loss and damage due to gale, windstorm, hurricane or cyclone (special conditions apply).

  • Rental cover

    Up to $15,000 for loss of rent and up to $5,000 for damage to fixtures and fittings if your house is tenanted.

Your choice of cover


Regardless of the policy you’ve selected, you also have the choice of insuring your house for either:

Replacement value where we cover the cost of rebuilding, replacing or repairing your house to a new condition – up to a maximum of the sum insured

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.