Forward thinking house and contents insurance
If you own a house, chances are you have a lot of stuff inside it, too. It's just as important to insure your belongings inside your home, as it is to insure the home itself. Pick and mix from our house and contents insurance options below.
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Policy terms, excesses, limits and exclusions apply. Cover subject to current underwriting criteria.
House and contents insurance FAQs
No, you have the flexibility to 'pick and mix' your types of policies. For example, you may choose to bundle a House Plus policy with a Contents Premium policy. Or perhaps you'd prefer a House Premium with a Contents Standard policy. The choice is yours.
There are some perks to keeping all of your insurance policies together with Tower.
You can manage all your personal policies in one place with our online self-service portal, My Tower. In My Tower you can update your excess, sum insured, agreed value, specified items, financial providers, start a claim, and add optional benefits when you need to.
Another perk is that if you have an incident at the same address and you need to claim on both your house and contents policies, you’ll only pay one excess (the highest excess applies).
Choosing an accurate sum insured is important; you need to make sure the amount you insure your house for is enough to cover the cost to rebuild it. You can learn more here about calculating the sum insured.
No, house insurance only covers the property itself. It may cover permanently plumbed-in fixtures such as your dishwasher, but personal belongings such as your electronics, furniture, jewellery, and clothes will need to be covered by a contents insurance policy. Our house and contents policies work together so that you're not doubling up on benefits.
No, with our contents insurance, we'll only cover your contents when you take them with you around New Zealand (e.g. when on a holiday). If you're going on an overseas trip, get a travel insurance policy to make sure your stuff is covered.
If you're looking to buy a new house, you can check out its unique earthquake and flood risk rating by getting a quote online.
No, if you're going to rent out your house, we recommend you take out landlord insurance. This covers your house, and includes benefits designed to help protect your home from the risks of having tenants.
While home insurance isn't a legal requirement in New Zealand, your bank or mortgage lender may require you to have a house insurance policy.
Whether you have a mortgage or not, it's highly recommended to have house insurance. If something were to happen (such as a fire or flood), would you be able to front up with the costs to rebuild the home by yourself?
If your house is damaged and while repairing it, asbestos is discovered, we'll clean that up as part of the claim. Our policy won't cover any legal liability you have for loss or damage caused by asbestos to other property or people. Make sure you read the policy wording to understand the terms, conditions, limits and exclusions that apply.
Public liability insurance can be helpful if something unexpected pops up. With Tower's house policies, you get liability protection up to $20 million in total for the period of insurance. We’ll cover you for your legal liability to others arising from an accident at your house that causes physical property damage during the period of insurance.
Make sure you read the policy wording to understand the terms, conditions, limits and exclusions that apply.
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