We publish information about home insurance. We cannot answer questions about your own policy, because we are not your insurer.
If something on this site is wrong, out of date, or unclear, we want to know. Corrections are the most useful thing you can send us.
For anything about your own cover, your insurer is the only one who can answer it. They hold your policy and they decide your claim. If you have a complaint they will not resolve, most New Zealand insurers belong to the Insurance and Financial Services Ombudsman, which is free and independent.
A contact form is being built. We collect nothing on this site today, so there is no form here yet rather than one that quietly gathers details.
This page is short on purpose. We are writing the full version, and we would
rather publish one useful answer now than a dead link.
General information only. Not personalised financial advice.
Home insurance is one of the few contracts most households hold for decades and read once. What a policy covers, what it excludes, and what has to be disclosed before it starts all vary between insurers and between versions of the same product, and the wording is what settles a claim. This site explains how the cover generally works so those conversations start from a better place. It is not a substitute for the policy document.
What this site is
An information site about insuring a home in New Zealand. Not an insurer, not a broker, not a registered financial adviser. Nothing here is personalised financial advice or a recommendation about any particular property.
What this site does not do
It publishes no premiums, no rebuild costs and no sum-insured figures, and nothing here estimates one. Those numbers come from an insurer's own calculator or a registered valuer, and getting them wrong is what underinsurance is made of.
What the insurer decides
Whether cover is offered, on what terms, at what price and with what exclusions is decided by the insurer, on the information given to them about the specific property.
Our relationship with Cove
This site refers people to three insurance brands. Cove for most homes, FMG for farms and lifestyle blocks, and AA Insurance for apartments. We receive no commission, fee or payment for any of those referrals, and nothing on this site is sold. No brand can buy a position, a badge or a mention. We are not an insurer, not a broker, and not a registered financial adviser. Nothing here is a recommendation that any brand is right for any particular home. Full disclosure on the partner page.
The policy wording decides
Every description of cover on this site describes what that type of cover generally does, not what any particular policy does. Limits, excesses, exclusions and conditions differ between insurers and change between versions, and the wording issued with a policy is the document that settles a claim.
