Financial Services Disclaimer

Not an Insurer, Broker, or Adviser

HomeContentsInsurance.co.nz is a lead generation and referral service only. We are NOT:

• A licensed insurance insurer or underwriter
• A registered insurance broker
• A licensed financial adviser
• Authorised to provide financial advice or recommendations

We connect consumers with NZ-licensed financial advisers who are regulated under the Financial Markets Conduct Act 2013. Any advice or quotes come from those advisers, not from us.

About the Advisers We Refer To

The financial advisers we refer your enquiry to are:

• Licensed financial advisers under the Financial Markets Conduct Act 2013
• Regulated by the Financial Markets Authority (FMA)
• Responsible for their own advice and conduct
• Required to disclose their licences, commissions, and conflicts of interest

We do not control advisers' advice, pricing, or behaviour. You should obtain a disclosure statement from any adviser before accepting their advice.

How Advisers Are Paid

NZ-licensed financial advisers typically earn commission from the insurance company when a policy is placed through them. This means:

• There is NO cost to you for using this service
• Advisers are paid by insurers, not by you
• Advisers have a financial interest in placing a policy
• Advisers should disclose their commission rates and any conflicts of interest

You have no obligation to purchase a policy. You can decline any offer without penalty or cost.

No Guarantee of Cover or Availability

Important: Mentioning a coverage type, limit, or insurance product on this website does NOT guarantee that:

• Such cover is available for your specific situation
• Any particular insurer will accept your risk
• Cover will be provided on the terms or at the price mentioned
• Coverage is available without modification or exclusion

All cover is subject to insurer underwriting, policy terms and conditions, and may be declined or modified based on your individual circumstances.

Third-Party Links and Content

This website may contain links to third-party websites (insurers, government agencies, regulators). We are not responsible for the content, accuracy, reliability, or privacy practices of those external sites. Use of third-party links is at your own risk and subject to their own terms of use and privacy policies.

Information Accuracy

While we endeavour to keep information on this website accurate and current:

• Insurance products and pricing change frequently
• We make no guarantee of completeness or accuracy
• Information may become outdated between updates
• You should verify details directly with an adviser or insurer

Complaints and Dispute Resolution

If you have a complaint:

Regulatory Status

HomeContentsInsurance.co.nz is a referral service and is regulated under the Financial Markets Conduct Act 2013 in its capacity as a service provider. The financial advisers we refer are separately licensed and regulated by the Financial Markets Authority. You can verify an adviser license on the FMA register at register.fma.org.nz.

Limitation of Liability

To the maximum extent permitted by law, HomeContentsInsurance.co.nz and its owners, operators, employees, and agents accept no liability for:

• Any loss or damage arising from use of this website
• Reliance on information provided here
• Loss resulting from adviser actions or advice
• Loss resulting from insurer actions or policy terms
• Indirect, consequential, or punitive damages

No Endorsement of Insurers or Advisers

Listing an insurer or adviser on this website does not constitute our endorsement or recommendation. The presence of an insurer does not mean we recommend their products. You should evaluate all options presented to you by advisers before deciding.