Buying guide
Do I need house insurance and how much does it cost?
We’ve answered all of your questions about house insurance to help make sure you've got the cover you need.
AI summary
House insurance is essential for homeowners, protecting your property from fire, floods, and accidental damage. Most lenders require it before you settle on a house purchase.
Your policy automatically includes EQC cover for natural disasters. It's also wise to consider contents insurance for your belongings. You must set a 'sum insured' value based on rebuild costs, which can be estimated using the Cordell Sum Sure Tool. Costs vary by location, so always shop around for quotes.
What insurance do you need on your house in NZ?
House insurance
Contents insurance
Life and trauma insurance
EQC insurance
House insurance can provide cover for flooding and much more.
How much is house insurance in NZ?
When should you get home insurance when buying a house?
How do you calculate house insurance value NZ?
Property repairs can be hugely expensive. Insurance can help.
What to do after a fire with my house insurance?
Online quote on house insurance in NZ
Author
Discover More
The 15 best places to live in New Zealand (2026)
From cities, to ski towns and rural villages — there are plenty of great places to live in Aotearoa New Zealand
First home buyers hit record highs as national property values dip -0.2%
While investors are tapping the brakes, first home buyers are accelerating.
Search
Other articles you might like
