Get a package discount off house, contents and vehicle insurance when you take out two or more policies. Call us on 0800 222 491 to find out more.


Tower now has a full replacement for fire benefit. This means a full rebuild of your home if it’s totally destroyed by fire (aside from fires caused by natural disasters), even if it costs more than your sum insured.

Existing policy holders don’t need to do a thing – the benefit’s already applied to your house insurance policy. For more information, visit the Tower website. The new benefit excludes home that are covered by Present Day policies.

Your cover is provided by Tower Insurance Limited, and includes:

  • Replacement cover up to a sum insured

    If your house is destroyed by a sudden and accidental event like a fire or natural disaster, we’ll pay to have it rebuilt to its current size and specification, up to a ‘sum insured’ you specify.

    Find out more and calculate your sum insured

  • No claims bonus

    If you haven’t had any claims with us or with your previous insurer for the last year, you’re entitled to a no claims bonus. If you don’t make any claims over the next two years, you’ll qualify for an extra no claims bonus.

  • Temporary accommodation

    Up to $25,000 cover if your house suffers loss or damage to the extent that you can’t live in it (and we’ve accepted your claim).

  • Keys and locks

    Up to $1,000 (excess free) cover if your house keys or remote door opener(s) are stolen, illegally copied or the combination number of an electronic keypad for external doors becomes known to someone else without your permission.

  • Natural disaster damage

    If your house is damaged by a natural disaster, we’ll pay the difference between the amount paid under EQCover and the sum insured less any excess that may apply. To find out more about EQCover, call the Earthquake Commission on freephone 0800 508 765.

    As well as insuring the structure of your home, the policy also covers internal fixtures and fittings for accidental damage such as baths, showers, basins, stoves, windows, wallpaper/vinyl, decks, garages, gates, fences, sheds, paths and driveways.

Calculate your sum insured

Optional special benefits

  • House under construction or alteration

    Cover for your house if it is damaged while being built or having structural alterations (conditions apply).

  • Loss of rent

    Up to $20,000 or six months’ cover if your house is let, lent, leased, rented or tenanted and suffers loss or damage for which a claim is accepted.

  • Landlord’s contents and chattels

    Up to $10,000 cover to the current value for accidental loss or damage to your rental property’s appliances, furniture and chattels, including drapes.

For full benefit details, read the House Contents and Vehicle Insurance Policy (PDF 653.5 KB). Effective from 6 December 2016.

If your policy was issued before this date, the wording in your policy may differ. Please contact us for a copy of the policy that applies to you.

Choice of excesses

The excess is the amount that you pay for each claim. The standard excess for house insurance is $250, but you can choose an amount that suits you. A higher excess saves you money because you’ll pay lower premiums, but you’ll need to make sure it’s affordable if you need to make a claim.

There’s a $5,000 excess for driveways, fences, pools and paths damaged by natural disasters that would replace your usual voluntary excess.

Additional features

  • Choice of payment options – direct debit, credit card or internet banking transfer
  • Pay your premiums monthly, quarterly or save with yearly premiums
  • 24 hour, 7 day, freephone service for emergency claim situations
  • Quick response claims handling – in most cases you’ll have answers within 48 hours, so you’ll know where you stand as soon as possible.


  • No claims discounts – up to 25%
  • Up to 20% package discount for taking more than one type of insurance (House, Contents or Vehicle) with us
  • Lower premiums on house insurance if you’re over 55.

Note: The discounts don’t apply to the levies (e.g. Fire Service and Earthquake Commission) that are included in all premiums, nor to GST, administration fees, and some Optional Special Benefits. Discount varies depending on the number/type of policies taken out.

Eligibility for older homes

If your home was built before 1950 and hasn’t been fully rewired, relined and reroofed, you may only be able to insure your house up to its market value, excluding the value of the land.

Apply now

Call us on 0800 222 491 and get your house insurance sorted over the phone. Or, complete our online form.

Make a claim

To make a claim, call us on 0800 222 491. If it’s an emergency, we’re available 24 hours a day, seven days a week.

House, Contents and Vehicle Insurance are provided by Tower Insurance Limited, and Tower Insurance Limited is solely responsible for any claims under the policy. Kiwibank Limited (including its related companies) does not guarantee the obligations of, or any products provided by, Tower Insurance Limited or its related companies. Kiwibank Limited may receive a commission on any policy it arranges.

Important terms, conditions and exclusions are set out in the House Contents and Vehicle Insurance Policy (PDF 653.5 KB). Effective from 6 December 2016. If your policy was issued before this date, the wording in your policy may differ. Please contact us for a copy of the policy that applies to you.

“We”, “us”, or “our” means Tower Insurance Limited.

Tower Insurance Limited has a financial strength rating of A- (Excellent) as at 16 August 2017 from A.M. Best Company.

Rating Scale


A++, A+ Superior

A, A- Excellent

B++, B+ Good


B, B- Fair

C++, C+ Marginal

C, C- Weak

D Poor

E Under Supervision

F In Liquidation

S Suspended