We'll cover sudden and unforeseen events that aren't intended or expected by you.

We cover your home for the full replacement costs to repair or rebuild your home, up to the sum insured.

With SumExtra, you get up to 10% extra cover if your property is damaged or destroyed in a natural disaster. In the event of a non-natural disaster, SumExtra covers you for the full cost of repair or replacement – even if that cost exceeds your sum insured. To qualify for SumExtra, your sum insured needs to be based on a written rebuild cost estimate that is dated within the last 3 years.

We'll cover your home for damage caused by natural disasters. If the damage exceeds entitlement through the Earthquake Commission, this policy extends to cover the full amount, up to your sum insured.

Our cover can include extra features within your home’s boundary such as your driveway, gardens, swimming pools and retaining walls.

We give you the ability to choose from a range of excess options which can help to reduce the premium you pay.

If you haven't had a home insurance claim with any insurer in the past year, we will give you a no claims bonus discount on your premium.

This benefit will cover the repairs from any damage to your home that's caused overtime by a hidden internal water system, up to the policy limit.

If your property is tenanted, we offer cover to protect you from the costs related to property repairs, if it's damaged through methamphetamine contamination.

If your home becomes uninhabitable due to a covered loss, your insurance will reimburse you for temporary accommodation, including boarding for your domestic pets and temporary storage for your belongings.

Covered for your legal liability resulting from accidental injury to someone or damage to their property, in connection to your ownership of the home.

Both of our policies can offer cover for loss of rent and chattel cover if your home is tenanted. An extra benefit of the Premier policy is that it includes cover for malicious damage and any associated loss of rent as a result.