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. It also covers structures such as your driveway, decks, sheds, garages, paths, fences and gates.
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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 up to the size you specify.
In the case of a natural disaster, it will be replaced up to the 'sum insured' you specify.
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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).
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New building or alteration work
We’ll cover minor building work and materials up to $50,000 (conditions apply).
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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.
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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.
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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.
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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.
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Cover 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 landlord's contents at the property, such as blinds, drapes and household goods such as washing machines and fridges. You can choose between $20,000 and $50,000 cover.
What's your excess?
The excess is the amount that you pay for each claim. Our 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 things such as driveways, fences, pools and paths damaged by natural disasters that would replace your usual 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. There's no extra costs if you select to pay monthly or fortnightly.
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Talk to a specialistImportant 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 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 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 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.