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 protecting your home from damage and is typically required by lenders before settlement. Your policy automatically includes EQC cover for natural disasters like earthquakes.
Costs vary significantly by location and property details. Research from MoneyHub shows premiums are higher in Wellington than in Auckland. Your premium is based on your sum insured—the rebuild cost, not market value. Use the Cordell Sum Sure Tool to calculate this figure and 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
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