House insurance

We’ve made house insurance pricing fairer.* Get a quote and see if you could save by switching.
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This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings. 

One event – one excess

If one event means you need to make a claim for more than one of your Tower car, house and contents policies at the same time, you’ll only need to pay one excess. The highest excess applies


Replacement to your sum insured

If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild your home. Learn more about sum insured


Full replacement for fire

If your home is destroyed by fire, we’ll rebuild it, even if it costs more than your sum insured.


Liability protection

If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.


Natural disaster damage

If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured.


No claims bonus

If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.


Gradual damage

We’ll repair damage to your home, which is caused over time by a leak or overflow from an internal water pipe, hose or tank.


Premium
$3,000

Plus
$2,000
Most popular

Standard
$1,000

Landscaping

You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.


Premium
$5,000

Plus
$2,000
Most popular

Standard
$1,000

Garden retaining walls

Cover for garden retaining walls automatically included.


Premium
$50,000

Plus
$25,000
Most popular

Standard
$15,000

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.


Premium
$30,000

Plus
$25,000
Most popular

Standard
$15,000

Key and locks

We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.


Premium
$2,000

Plus
$1,000
Most popular

Standard
$500

House under minor renovation

Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.


Premium
$50,000

Plus
$20,000
Most popular

Demand surge protection

If a natural disaster, flood or storm increases the cost of labour and materials, we may increase the sum insured to cover the costs of rebuilding your home.


Plus
10%
Most popular

Stress benefit

You’ll receive a lump sum payment to help with the stress if your home is destroyed.


Premium
$2,000

Plus
$1,000
Most popular

Glass breakage reduced excess

If your claim is only for glass breakage, we’ll reduce your excess and it won’t change your no claims bonus.


Premium
$50 excess

Plus
$100 excess
Most popular

Carpets extended replacement

If you have matching carpet throughout your home and some of it’s damaged, if we can’t find a suitable match, we’ll replace the lot.

Could you save with Tower?

Since we made house insurance pricing fairer,* many could save by switching to Tower. 

Get a house insurance quote

What's your house sum insured?

The sum insured you choose is the most we’ll pay to rebuild your home if it’s a total loss. Discover more about sum insured and learn how homeowners can pick the right amount for their property.

Calculating your house sum insured


Learn about our move to address-based pricing  
** Ts&Cs apply. Discount excludes RoadWise, government levies and taxes.