How Kiwi Insure house insurance works

If your home was destroyed or damaged, you'd want to know your insurance policy would cover the cost to rebuild or repair the damage.

If your house was destroyed by an accidental event like a fire or flood, we’ll pay to have it rebuilt to the size you specify. In the case of a natural disaster, it will be replaced to the sum insured you specify. You'll need to ensure this figure is enough to rebuild your home and to keep this figure up-to-date.

You'll get up to 10% package discount off house, contents and car insurance when you take out two or more Kiwi Insure policies.

Kiwi Insure house insurance is provided by The Hollard Insurance Company Pty Ltd. Administration of Kiwi Insure house insurance and claims handling services are managed by Ando Insurance Group Limited on behalf of The Hollard Insurance Company Pty Ltd.

Benefits

As well as insuring the structure of your home, our policy also covers accidental damage to internal fixtures such as showers, baths, basins and stoves; and most outside fixtures such as your driveway, decks, sheds, garages, paths, fences and gates.

Replacement cover

If your house is destroyed by a sudden and accidental event like a fire or flood, we’ll pay to have it rebuilt to the size you specify. In the case of a natural disaster, it will be replaced to the 'sum insured' you specify.

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 natural disaster sum insured less any excess that may apply. We’ll also pay for loss to parts of the house not covered by the EQC Act such as pathways and driveways.

Alternative accommodation

If your house is damaged to the extent that you can't live in it (and we've accepted your claim) you'll get up to $25,000 under the standard cover. You have the option to increase the cover to $50,000. This covers the costs of temporary accommodation for you, your family who live with you, and your pets.

Keys and locks

If your keys are lost, stolen or believed to have been duplicated, we'll cover the cost of replacing the keys and locks up to $1,000 (excess free).

Landscaping

We'll cover the loss of your gardens and lawns up to $5,000 if your house suffers loss or damage. You can choose to increase this amount up to $100,000.

New building or alteration work

We’ll cover minor building work and materials up to $50,000 (conditions apply).

Loss of rent for landlords

If you rent out your house you're covered for loss of rent, if it can't be lived in (and we've accepted your claim). You're covered for up to $25,000 or can select to increase this to $50,000.

The policy also covers contents at the property, such as blinds, drapes and household goods such as washing machines and fridges.

Optional benefit - glass cover

If there are accidental breakages to window glass or bathroom fixtures (sinks/basins or baths) we'll replace them with no excess.

Calculating your sum insured

With Kiwi Insure House Insurance we make calculating your sum insured easy. We'll collate all the information that's publicly known about your home through various sources, including the Cordell Sum Sure calculator - so all you'll need to do is confirm you're happy with that figure.

There are a number of ways to check the figure and calculate your sum insured - its up to you. You can use the online independent Cordell Sum Sure calculator, or ask a licensed builder, quantity surveyor, architect or a registered valuer to help.

Find out more

Full policy details

Choose what works for you

Excess

The excess is the amount that you pay for each claim. The standard excess for an owner occupied house is $400, but you can select a higher option and this will lower your premiums. You'll need to make sure you select an excess that'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.

Payment options

You can choose the payment option that suits your needs – direct debit or credit card. And you can pay your premiums fortnightly, monthly or yearly.

Start the application process

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.


Important information

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 Lty. 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 wording (PDF 1014.8 KB).

View information about Hollard's financial strength rating, solvency margin and overseas policyholder preference on their website at hollard.com.au.

Kiwi Insure® is a brand of Kiwibank.

“We”, “us”, or “our” means The Hollard Insurance Company Pty Ltd.

House Insurance 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. You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.

Tower Insurance Limited is the only organisation responsible for claims under this policy. If you arranged your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any product issued by, Tower Insurance Limited.

View information about 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.