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
To keep your home insurance valid, it's crucial to understand your policy obligations. Insurers can void your cover for several reasons, including:
- Providing inaccurate information about your property.
- Leaving your home unoccupied for an extended period (often over 60 days).
- Neglecting maintenance and failing to make necessary repairs.
- Forgetting to lock doors or take other reasonable security precautions.
Always pay premiums on time and report incidents like break-ins to the police to ensure your claim is accepted.
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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