We partner with Tower, our trusted provider of House, Contents, Car and specialist insurance options.
Peace of mind for your biggest asset
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It's easy to make a claim, track its progress and manage all your policies in one place using the My Tower online portal.
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Pay only the highest excess if one event means claims on multiple eligible policies with Tower.
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Generous contribution towards temporary accommodation cover if your home is deemed uninhabitable.
How it works
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Understand what house insurance covers
Getting house insurance is often a condition on home loans. It helps protect you against sudden accidents and disasters and covers legal liability if there’s an accident at your home that causes damage to someone else’s property.
With Tower, if your house is destroyed by a fire (except fires following natural hazards) you may be covered for up to 20% more than your sum insured. Tower also covers limited hidden gradual damage caused by water leaks from hidden internal pipes, hoses or water tanks (limited to Standard Policy $1,000; Plus Policy $2,000; Premium Policy $3,000).
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Calculate your house sum insured
House sum insured is the maximum amount the insurance company would pay to rebuild your home if it was completely destroyed or damaged by an event like a fire or storm.
You'll need to work out this number for your property. Find out more about house sum insured.
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See how Tower rates the natural hazard risk
Tower's innovative natural hazard risk rating tool can show you the level of earthquake, flood, sea surge and landslide risk Tower sees at your property.1
The tool is part of the online quote. Once you've put the address in and some other details, you can see how Tower rates the property in each category, from very low to very high.
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Choose your cover
There are different levels of cover, so you can select the one that suits you, your situation and your property needs the best.
Choose from one of Tower's house insurance policies: Premium cover, Plus cover or Standard cover.
You can also add contents insurance to cover what's inside your house as well. Then, if something happens, you can manage your claims in the same place and you'll only need to deal with one insurance provider.
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Manage & claim
If something goes wrong, it's good to get the claim process started as soon as possible. Once you're set up as a customer, create an account for the My Tower online portal. Here, you can manage your insurance, download your policy wording and more.2 The easiest way to make a claim is through this portal, but of course, you can call someone at Tower if you feel more comfortable.
Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.
Apply for house insurance
Quote & buy online
If you’re applying for House, Contents, Car, Landlord or Boat Insurance you can get a quote and buy online.
Learn more at tower.co.nzTalk to a Tower insurance specialist
If you’d like to talk to someone about getting Motorbike, Motorhome, Caravan or Trailer, Lifestyle Block, Contract Works - Renovation Cover Insurance.
Call Tower on 0800 222 491You may also be interested in
Important information
This page provides general information and isn't intended as regulated financial advice. To review your specific situation and financial requirements please talk to your Financial Adviser.
1Natural hazard risk information and ratings are developed from third-party data, used for general insurance purposes only and should not be relied on for any other purpose. Tower does not accept any responsibility for the availability or content of any risk based pricing or third-party data and does not make any representation as to the accuracy or currency of the information. The third party data is provided without warranties of any kind. Any liability or loss from use of this data is excluded. Where no natural hazard risk data exists for one of the hazards at your specific address no risk rating will be shown. The natural hazard risk portion of the premium is based on the average across Tower’s portfolio for that specific natural hazard risk.
2 Contract works, pet, travel, lifestyle and business insurance policies cannot be managed or claimed under in My Tower.
Tower’s Quote to Buy tool has been developed and is operated by Tower Limited. Once you enter the Tower Quote to Buy tool, you will be a Tower Limited customer for the purposes of General Insurance. By using this Tower tool, you agree to the Tower Limited Terms and Conditions.
Tower Limited (also known as ‘Tower’) underwrites all contracts of House, Contents, Landlord, Car, Boat, Travel and Pet Insurance cover. Tower’s Travel and Pet Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners. The contracts of insurance are between you and Tower Limited. Kiwibank Limited (Kiwibank) receives a commission from the sale of insurance policies sold by Tower when referred by Kiwibank. Kiwibank, or any member of the Kiwi Group Capital Limited (including Kiwibank) group of companies, does not guarantee the obligations of, or any products issued by, Tower Limited and is not liable if Tower (or other insurer of the policy) declines to pay a claim. Any claims issues are between the insured person(s) and Tower Limited or any involved third party. Full terms, conditions and exclusions are available in the applicable policy wording. View Tower’s financial strength rating and solvency margin on their website at tower.co.nz.
Kiwibank doesn't provide financial advice for insurance and is not engaged by Tower Limited to provide any financial advice in respect of its insurance products. Terms and conditions, exclusions, limits and sub limits apply. Insurance cover is subject to Tower’s current acceptance underwriting criteria.
Kiwibank Limited holds no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.
Previous insurance policies administered by Ando and Tower
- House, Contents and Car Insurance administered by Ando
- House, Contents and Car Insurance issued by Tower Limited before 5 April 2018.
If you're an existing policy holder you can find the relevant information about these policies on our products no longer offered page or our legal documents archive page.