Benefits at a glance

  • Replacement cover to have your home rebuilt up to the size you specify.

  • Alternative accommodation up to $25,000, with the option to increase to $50,000.

  • Natural disaster damage cover for events such as earthquakes, natural landslips, or volcanic eruptions.

  • 10% package discount (off the company premium only) if you take out two or more Kiwi Insure house, contents or car insurance products.

  • Keys and locks replaced up to $1,000.


How much insurance do you need?

If your house is destroyed by a sudden and accidental event like a fire or flood, we’ll pay to have it rebuilt up to its current size and specification. In the case of a natural disaster, it will be replaced up to the 'sum insured' you specify. This is the maximum your insurance company will pay out if your home is destroyed.

Your sum insured is not the same as the market value of your house. It’s calculated based on how much it’s likely to cost to rebuild after a natural disaster.

You can ask a licensed builder, quantity surveryor, architect or registered valuer to help you work out your sum insured, or you can do it yourself with the independent online Cordell Sum Sure calculator.


Get in touch with our insurance team

Whether you need help with something simple or more complicated, we’ve got the right people to help you. If you need to make a claim, please contact us as soon as you can after something goes wrong.

Get in touch for one of our insurance specialists to contact you, or ring them directly on 0800 222 491 between 8.30am and 6.00pm, Monday to Friday.


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Important information

House Insurance is provided by The Hollard Insurance Company Pty Ltd. The Hollard Insurance Company Pty Ltd is the only organisation responsible for claims under this cover. Administration of House Insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by The Hollard Insurance Company Pty Ltd. Kiwibank Limited may receive a commission on any insurance it arranges. Important terms, conditions and exclusions are set out in the Kiwi Insure House Insurance policy wording (PDF 1014.8 KB).

View information about Hollard's financial strength rating, solvency margin and overseas policyholder preference on their website at hollard.com.au. For information about Ando Insurance Group Limited's privacy policy, visit ando.co.nz.

Kiwi Insure® is a brand of Kiwibank.

“We”, “us”, or “our” means The Hollard Insurance Company Pty Ltd.

House Insurance before 5 April 2018

If you already have House Insurance and your policy was issued before 5 April 2018, your policy will have been provided by Tower Insurance Limited. You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.

Tower Insurance Limited is the only organisation responsible for claims under this policy. If you arranged your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by, Tower Insurance Limited.

View information about Tower's financial strength rating and solvency margin on their website at tower.co.nz.

Kiwibank and Kiwi Insurance Limited hold no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.