Our Recommended Policies

Compare coverage levels from New Zealand’s leading insurers. All policies include natural disaster cover, theft protection, and 24/7 claims support.

 

  • Complete Protection

    Comprehensive Cover

    Maximum protection for high-value homes and peace of mind. Full "new for old" replacement regardless of age, highest limits across all categories, overseas travel cover, and premium claim service. Best protection available in New Zealand.

    Starting from $1280per year
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    Key features include:
    • Fire, Theft, Burglary & Vandalism
    • All Natural Disasters (Comprehensive)
    • Temporary Accommodation - $30,000+
    • Personal Liability - $2,000,000+
    • Full Replacement (New for Old - All Ages)
    • Comprehensive Accidental Damage
    • Worldwide Coverage - $5,000 (3-week trips)
    • Specified Items Worldwide Cover
    • Excess: $250 (Lowest Available)
    • Hidden Water Damage - $3,000/year
    • Home Office Equipment - $10,000
    • Food Spoilage - $1,000
    • Keys & Locks Replacement - $500-$1,000
    • Credit Card Fraud Protection - $500-$1,000
    • Moving House Cover (Extended)
    • Priority Claims Processing
    • Only $3.50 per day for total peace of mind
    • For $90,000 Contents Coverage
  • Best Seller

    Premium Contents Insurance

    Most popular choice for New Zealand families. "New for old" replacement cover, higher limits, and accidental damage included. Items under 5 years replaced new regardless of age. Better protection without breaking the budget.

    Starting from $780per year
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    Key features include:
    • Fire, Theft, Burglary & Vandalism
    • Natural Disasters (All Types Covered)
    • Temporary Accommodation - $20,000-$25,000
    • Personal Liability - $2,000,000
    • Age-Based Replacement (Items <5yrs = New)
    • Accidental Damage Included
    • NZ-Wide Plus Limited Overseas ($2,500)
    • Specified Items with Enhanced Cover
    • Excess: $250-$400
    • Hidden Water Damage - $1,500/year
    • Home Office Equipment - $5,000-$7,500
    • Food Spoilage - $500-$1,000
    • Moving House Cover (2 weeks)
    • Best Seller & Excellent Value
    • For $60,000 Contents Coverage
  • Essential Cover

    Basic Contents Protection

    Core coverage for renters and budget-conscious homeowners. Covers fire, theft, flood, and earthquake. Market value settlement means older items get depreciated value only.

    Starting from $420per year
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    Includes:
    • Fire, Theft, Burglary & Vandalism
    • Natural Disasters (Earthquake, Flood, Storm)
    • Temporary Accommodation - $15,000-$20,000
    • Personal Liability - $1,000,000-$2,000,000
    • Market Value Settlement (Depreciated)
    • NZ-Wide Coverage Only
    • Specified Items Available (Optional)
    • Excess: $400-$500
    • Hidden Water Damage - Limited/Excluded
    • Home Office Equipment - $1,500-$3,000
    • Only $1.15 per day average cost
    • For $30,000 Contents Coverage