Benefits
As well as insuring the structure of your home, the 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, you'll have cover to have your home rebuilt up to the 'sum insured' you specify.
In the case of a natural disaster, it'll 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, the cost of replacing the keys and locks up to $1,000 (excess free) will be covered.
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New building or alteration work
Minor building work and materials up to $50,000 (conditions apply) will be covered.
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Alternative accommodation
If your house is damaged to the extent that you can't live in it (and your claim has been accepted) 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
The loss of your gardens and lawns up to $5,000 if your house suffers loss or damage will be covered. 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) they'll be replaced with no excess.
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Natural disaster damage
If your house is damaged by a natural disaster you're covered for the difference between the amount paid under EQCover and the sum insured, less any excess that may apply.
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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 your claim has been accepted). 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. 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 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.
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, get in touch with an insurance specialist.
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, get in touch with an insurance specialist.
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 no member of the Kiwi Group Capital Limited group guarantees 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 House Insurance policy (PDF 886.4 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.
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 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.