Find useful home insurance information in the area below.



Home insurance is one of the most popular types of insurance in New Zealand. It covers your home and the contents of your home against a multitude of possible risks whether you own your home, are a tenant or a landlord.

Some people choose to take just building or just contents insurance this is possible with one of many policies available on the insurance market today. No matter if you live in a rural or urban area, home insurance can protect you, your family and pets against all kinds of losses.

What Home Insurance Do I Require?

Of course the level of cover you take depends on a variety of factors, from the area that you live in to the type of home you live in. Are you a tenant or a homeowner?

As a tenant, you are more likely to seek home contents insurance while homeowners will be concerned with buildings, contents and even outbuildings if they apply. Landlords also require adequate home insurance for the properties they rent out.

What Types of Cover are there?

Home insurance can cover all elements of risk that your property and its contents could face. Most comprehensive policies include:

  • Flood
  • Fire
  • Lightning
  • Storms
  • Tsunami
  • Earthquake
  • Riots and Civil Unrest
  • Breakage
  • Vandalism and Burglary / Theft
  • Burst pipes

Some policies also include sections for damage created by pets or children and so-called superficial damage.

Everyone knows that the weather in New Zealand can become severe, as recent history has especially highlighted. Making sure you cover this risk for your home is becoming more essential every day.

If you live in an urban area where crime rates are high, you are even more likely to be interested in cover against theft and vandalism.


Please note that Which Way To Pay New Zealand (www.whichwaytopay.co.nz) is not authorized to give personal financial advice under New Zealand's financial services regulations, including the Financial Advisers Act (Securities Commission New Zealand).

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