We partner with Tower, our trusted provider of House, Contents, Car and specialist insurance options.
Benefits at a glance
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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.
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Covers the cost of temporary accommodation if your home suffers damage that makes it uninhabitable.
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Get a multi-policy discount if you take out multiple Tower insurance policies. T&Cs apply.
How it works
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House sum insured
Before you take out a House Insurance policy, see how much cover you need for your house by using the sum insured calculator. Find out more.
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Choose your cover
Choose from one of Tower's House Insurance policies: Premium cover, Plus cover, Standard cover.
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Manage & claim
To make an insurance claim get in contact as soon as you can to get the process started. You can also make a claim, manage your existing insurance and download your policy wording through the My Tower online portal.
Save $100 with Tower
Save $100 on every eligible house, landlord and comprehensive car policy.* T&Cs apply.
* Use promo code SAVE100. Offer ends 20 September 2025. Excludes contract works insurance.
Apply for House Insurance
Get a quote and apply online, or get in touch with our insurance partner Tower to find the right insurance for you.
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 222 491.
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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.
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.