This site collects no personal information. There are no forms, no sign-ups, no lead capture and no accounts. Nothing entered into the quote starter is transmitted to us or stored by us.
The quote starter
The three-question tool runs entirely in the browser. The answers, including the postcode, are held in the page while it is open and are gone when the tab closes. The postcode is matched against a lookup table that ships with the page rather than being sent to a server, and it is not included in any link leaving this site.
Analytics
We use Google Analytics 4 for aggregate traffic measurement: which pages are read, how people arrive, and which cover types the quote starter is used for. This records the cover type selected and the region matched, in aggregate and not attached to a person. Google sets cookies for this purpose and its own privacy terms apply to that processing. No analytics identifier is combined with anything else, because there is nothing else.
Clicking through to an insurer
A link to an insurer leaves this site. The link is tagged so the insurer can attribute the referral, and that tag identifies this site rather than the person clicking it. From the moment of arrival, that insurer's privacy policy governs anything entered there, including any quote form.
Hosting and logs
The site is served by Cloudflare Pages. Like any web host, Cloudflare processes request data such as IP addresses in order to serve pages and protect against abuse. We do not maintain a separate database of visitors.
Your rights
The Privacy Act 2020 gives people rights of access to and correction of personal information held about them. We hold none, so in practice there is nothing to request. The Office of the Privacy Commissioner at privacy.org.nz is the authority on those rights, and a complaint about how any organisation handles personal information can be made to them.
Disclaimer
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.
