House Insurance

You’ve worked hard to get your house, so it pays to make sure you’re covered with house insurance, if something were to go wrong. This is peace of mind.
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Make a claim

Benefits at a glance

  • Replacement cover for your home, up to your sum insured, if your house is destroyed by events such as storm, flood, earthquakes, landslides or volcanic activity.

  • If your house is destroyed by a fire (except a natural hazard fire) you may be covered for up to 20% more than your sum insured.

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

  • Get a multi-policy discount if you take out two or more house, contents or car insurance policies that are arranged through Kiwibank.

How it works

How much cover do you need?

  • If your house is destroyed by events such as storm, flood, earthquakes, landslides or volcanic activity it may be rebuilt up to your sum insured.
  • If your house is destroyed by a fire (except a natural hazard fire) you may be covered for up to 20% more than your sum insured.
  • Your sum insured isn't 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 surveyor, 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.

Apply for House Insurance

Get an online quote and sign up in just three minutes. If you're not quite sure what you need, or you'd like to discuss your options, get in touch with an insurance specialist.

Quote & purchase online

If you’re applying for house, contents or car insurance you can get a quote and purchase online.

Get a quote and buy online

House, contents or car insurance

If you’d like to talk to someone about insuring your house, contents or car, or want to apply over the phone, get in touch with an insurance specialist.

Talk to a specialist

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