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.
Benefits at a glance
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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.
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Natural disaster damage cover for events such as earthquakes, natural landslips, or volcanic eruptions.
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Alternative accommodation up to $25,000, with the option to increase to $50,000.
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Get a multi-policy discount if you take out two or more Kiwi Insure house, contents or car insurance products.
How it works
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Excess
The excess is the amount you pay for each claim. Our standard excess for an owner-occupied house is $400, you can select a higher option and this will lower your premiums. For things like driveways, fences, pools and paths damaged by natural disasters a $5,000 excess applies.
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Claims
Our live assessment tool helps get your claim sorted a whole lot faster. If you have a smartphone you can share photos of the damage or incident you’re claiming for as you chat to our claims team.
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Payment options
You can pay your premiums by direct debit or credit card. You can choose to pay fortnightly, monthly or annually. There's no extra cost if you select to pay monthly or fortnightly.
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 onlineHouse, 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 specialistLife & Living Insurance
Get in touch with our trusted life insurance partners at nib. You can arrange a call-back to discuss your options and even apply over the phone.
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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 one of our Insurance specialists or your Financial Adviser.
House Insurance is provided by The Hollard Insurance Company Pty Ltd. The Hollard Insurance Company Pty Ltd is the only organisation responsible for claims under this cover. Administration of House Insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by The Hollard Insurance Company Pty Ltd. Kiwibank Limited may receive a commission on any insurance it arranges. Important terms, conditions and exclusions are set out in the Kiwi Insure House Insurance policy (PDF 1004.7 KB).
View Hollard's financial strength rating, solvency margin and overseas policyholder preference on their website at hollard.com.au. For information about Ando Insurance Group Limited's privacy policy, visit ando.co.nz.
Kiwi Insure® is a brand of Kiwibank.
“We”, “us”, or “our” means The Hollard Insurance Company Pty Ltd.
House Insurance policies issued before 5 April 2018
If you already have House Insurance and your policy was issued before 5 April 2018, your policy will have been provided by Tower Insurance Limited, who are the only organisation responsible for claims under this policy.
You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions. If you arranged your insurance through Kiwibank, you need to know that Kiwibank doesn't guarantee the obligations of, or any product issued by, Tower Insurance Limited. View Tower's financial strength rating and solvency margin on their website at tower.co.nz.
Kiwibank and Kiwi Insurance Limited hold no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.