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Full replacement for fire is here

  • Full replacement for fire is back with TOWER

    We now guarantee you'll get back what you had in the event of a fire (excludes present day value policies).


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  • House policies now with full replacement cover in the event of fire *
  • Save up to 20% with our package discount
  • Great cover and benefits
  • Quick and easy. Most claims settled within 48 hours.

Full replacement is back with TOWER

Fire is one of the biggest risks to New Zealand homes, and with TOWER you can be sure that your home will be rebuilt if it’s damaged by fire – even if it costs more than your sum insured figure.

Our Full replacement for fire benefit is automatically added to all house insurance policies* and gives you peace of mind that your home will be back to the way it used to be, even if your sum insured isn’t quite what it should be.

Plus, if you’re an existing TOWER house insurance customer, we’ve added the benefit on to your policy now – there’s nothing you need to do.

* Full replacement for fire is now included on sum insured replacement house policies, excluding Present Day Value policies and not available for fire following natural disasters.

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