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 crucial for NZ homeowners, protecting against fire, flood, and accidental damage. Most policies automatically include EQC cover for natural disasters.
Costs vary significantly by location and property details. You must set a 'sum insured' value—the rebuild cost, not market value. Use a tool like the Cordell Sum Sure Tool to calculate this.
Lenders require insurance before settlement, so shop around for quotes once your offer is accepted to find the best deal.
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
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