House Insurance

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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.

Benefits at a glance

  • Replacement cover to have your home rebuilt up to the size you specify if your house is destroyed by events such as fire or flood.

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

  • 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 Kiwi Insure house, contents or car insurance products.

How it works

How much cover 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.
  • If your house is damaged or destroyed by a natural disaster it will be replaced up to the 'sum insured' you specify. This will include any payment from EQCover and is the maximum we'll pay.
  • 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 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.

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, we’ve got the right people to help you.

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, our insurance specialists are here to help.

Talk to a specialist

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