Buying guide
What can void home insurance in NZ?
Don’t get on the wrong side of your policy wording.
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AI summary
Protect your biggest asset by understanding what can void your home insurance policy in New Zealand. Insurers expect you to take reasonable care and may deny claims for several reasons.
Key actions that can invalidate your cover include:
- Providing inaccurate information when applying
- Leaving your home unoccupied for an extended period (often over 60 days)
- Neglecting maintenance and necessary repairs
- Failing to secure your home or report break-ins to the police
Always review your specific policy to ensure you remain fully protected.
What can invalidate your home insurance policy?
1. You miss your renewal date
2. You provided inaccurate information
Study your policy carefully to understand the rules and regulations.
3. You leave your home unoccupied
4. You’re lax about maintenance and repairs
5. You regularly forget to lock up
Regularly forgetting to lock up can void your home insurance policy.
6. You failed to contact the police
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